🚀 7 Shortcuts to Increase Credit Score (2025 Guide) – CIBIL 750+ for sure!

If you want to improve your credit score “EMI is not approved yet” of “high-interest rates” Don’t worry about getting a loan, read this post. 7 Working Shortcuts Who has told your question? How to update CIBIL score? You will get this answer or your score can increase by 100+ points in 6-8 months.

From Basic to Advanced methods of CIBIL Score, everything has been shared below.

Why is Credit Score Important?

Credit score is in (300-900 range), which shows how we are in money transactions. “financial reputation” With the help of which we decide whether we will get the loan or not, or how much interest we will have to pay.

Credit Score is decided by:

• Loan approval chances
• Interest rates (more or less)
• Credit Card limits
• Insurance premiums

Ideal Score:

• 750+ → “Excellent” (Lowest interest rates)
• 650-749 → “Good”
• <600 → Improvement needed

👉 Pro Tip: To check your score for free CIBIL of Paytm use it.

7 Shortcuts: Way to CIBIL 750+ 🚀

Shortcut 1: Never Late EMI/Credit Card Bills

• 35% credit score payment history on depend card come.
• Late payment → Score may drop up to -50 points.
• Hack: Auto-debit setup for Google Calendar reminders again.
• How to secure online payments?

Shortcut 2: Keep Credit Utilization Ratio below 30%

Shortcut 3: Do not bind old credit cards

• 15% score credit history length on depend card come.
• Banning a card that is 5+ years old may result in a score drop.
• Hack: Use old cards for monthly small purchases (eg, Netflix, Youtube, Hotstar subscription).

Shortcut 4: Loan Applications Control Karo

• Har loan application → “Hard inquiry” → Score -5 points .
• Rule: Avoid more than 2 applications in 6 months.

Shortcut 5: Credit Mix Diversify Karo

• Loan types (Home + Personal + Credit Card) rakho → Score +20-30 points .
• Warning: I use credit cards on depend na raho.

Shortcut 6: Start with Secured Credit Card

• Best for low score (500-600):
• FD-based secured card (e.g., SBI Unnati)
• The score will improve within 6-12 months.

Shortcut 7: Credit Report ki Regular Checking

Top 5 Mistakes: Which Score Drops ❌

1. Minimum Payment Rukna: Interest charges are increasing, but not the score.
2. Co-signing Without Check: If the co-signed loan defaults, your score will also suffer.
3. High-Interest Loans: Stay away from payday loans.
4. EMI Skip karke Settlement: Settlement record will be visible on CIBIL for 7 years.
5. Multiple EMIs for Shopping: Online shopping tips follow karke overspending avoid karo.

FAQs: Answers to all questions

🎯 Final Tips

• Track Karo: Apps like CRED of Paytm se monthly score monitor karo.
• Keep Patience: Score improvement is a marathon, not a sprint!
• Educate Yourself: CIBIL basics learn And stay safe from scams.

If you still have doubts, please ask in the comments! I will definitely help you.

Make smart financial decisions, and skyrocket your score!