Grih rin ho ya credit card — aaj har tarah ke karz ke liye bank sabse pehle aapka CIBIL score dekhta hai. 300 se 900 ke beech ka ye teen ankon ka number aapki karz chukane ki aadat ka aaina hai. Score achha hai to rin aasani se aur kam byaj dar par milta hai; kam hai to aavedan kharij bhi ho sakta hai. Achhi khabar ye hai ki bigda hua score sudhara ja sakta hai.
Score kam hone ki aam wajahen
EMI ya credit card ka bhugtan der se karna ya chhod dena score ko sabse zyada nuksan pahunchata hai. Credit seema ka 30 pratishat se zyada istemal karna, kam samay me kai rin aavedan karna aur purane credit card band kar dena bhi score ghatata hai. Kabhi-kabhi CIBIL report me galat jankari — jaise chukaya hua karz band na dikhna — bhi score kam kar deti hai. Isliye saal me kam se kam ek baar apni credit report zaroor check karein, jo nishchit antaral par nihshulk uplabdh hoti hai.
Score sudharne ke asardar tareeke
Sabse pehla niyam — har EMI aur credit card bill samay par chukayein; ek bhi deri score bigadti hai. Dusra, credit upyog 30 pratishat se neeche rakhein — matlab 1 lakh ki seema par 30,000 se zyada kharch na karein. Teesra, purane credit card band na karein kyunki lamba credit itihaas score badhata hai. Chautha, ek sath kai rin ke liye aavedan na karein. Paanchvaan, agar report me galti hai to sambandhit bureau ki website se vivad darj karayein. Chhatha, chhota surakshit (secured) credit card lekar niyamit bhugtan karein — ye sakaratmak itihaas banane me madad karta hai.
Kitne samay me dikhega asar?
Score raaton-raat nahi sudharta — aam taur par lagatar 6 se 12 mahine ki sahi aadat ke baad ullekhniya sudhar dikhai deta hai. Dheeraj rakhein aur nayi galtiyan na karein. Ek baar score 750 ke paar pahunch jaye to aapko behtar byaj daron wale rin aur behtar credit card ke liye yogyata mil jati hai. Yaad rakhein, achha credit score ek din me nahi banta — ye aapke varshon ke arthik anushasan ka parinam hota hai.
