Credit score · 6 min read · 12 Aug 2026
How to improve your CIBIL score before applying
Practical steps Bangalore borrowers use in the 60 days before a home or personal loan.
Lenders in India lean heavily on bureau scores. A jump from 720 to 760 can change pricing by 0.25–0.75% on many home-loan grids.
Pay every EMI and credit-card bill before the due date. Even one 30-day delay stays on the report for years.
Keep credit utilisation under 30% of the combined card limits. Ask for a limit increase if you spend more, rather than maxing cards.
Do not close your oldest clean card. Age of accounts supports the score.
Avoid a cluster of new enquiries in the same week. Apply through one desk so we sequence lender hits.
Check your report for wrong addresses, duplicate accounts, or settled loans still marked as live. Dispute those with the bureau.
