Credit Score Kaise Improve Kare 2026? Fast Aur Safe Tarike
Agar aap loan lena chahte ho ya credit card apply karna chahte ho, to sabse important cheez hoti hai credit score. Low credit score hone par: ❌ Loan reject ho sakta hai ❌ High interest rate lag sakta hai Is guide me simple language me samjhenge ki 2026 me credit score kaise improve kare. Credit Score Kya Hota Hai? Credit score ek 3-digit number hota hai (300–900 ke beech). India me popular credit bureau: CIBIL Ideal Credit Score: 750+ → Excellent 700–750 → Good 650–700 → Average 650 se niche → Risky Credit Score Improve Karne Ke Tarike 1️⃣ Time Par Bill Payment Kare ✔ Credit card bill ✔ EMI ✔ Loan installment Late payment sabse bada negative factor hota hai. 2️⃣ Credit Utilization Kam Rakhe Rule: Credit limit ka 30% se kam use kare. Example: Agar ₹1,00,000 limit hai → ₹30,000 se kam spend kare. 3️⃣ Old Credit Card Band Na Kare Old account credit history strong karta hai.. 4️⃣ Multiple Loan Ek Sath Mat Le Short time me multiple loan apply karna score ko damage karta ha...