{"id":1731,"date":"2021-04-16T16:01:34","date_gmt":"2021-04-16T16:01:34","guid":{"rendered":"https:\/\/unischolarz.com\/blog\/?p=1731"},"modified":"2024-12-18T13:43:17","modified_gmt":"2024-12-18T13:43:17","slug":"how-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/unischolars.com\/blog\/how-to-improve-your-credit-score\/","title":{"rendered":"The Ultimate Guide On How To Improve Your Credit Score"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-flat ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/unischolars.com\/blog\/how-to-improve-your-credit-score\/#Firstly_What_Is_A_Good_Credit_Score\" >Firstly, What Is A Good Credit Score?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/unischolars.com\/blog\/how-to-improve-your-credit-score\/#What_You_Need_To_Know_About_CIBIL_Scores\" >What You Need To Know About CIBIL Scores<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/unischolars.com\/blog\/how-to-improve-your-credit-score\/#Best_Ways_To_Improve_Your_Credit_Score\" >Best Ways To Improve Your Credit Score<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>When you require financial aid in order to get into <a href=\"https:\/\/unischolars.com\/blog\/easiest-universities-to-get-into\/\" target=\"_blank\" rel=\"noreferrer noopener\">study abroad universities<\/a>, you resort to education loans. But would you let a lower credit score destroy your dreams of getting the best education? The answer is obviously a big NO. With the help of this ultimate guide to credit scores, you&#8217;ll get an idea of how to healthily balance your credit. You may raise your credit score by taking a few basic measures, such as opening accounts that report to credit agencies, keeping modest balances, and paying your payments on time. After you read this article on how to improve your credit score, you will be able to easily tackle this issue.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Firstly_What_Is_A_Good_Credit_Score\"><\/span><strong>Firstly, What Is A Good Credit Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Credit scores are calculated based on the information on your credit reports which includes details like your payment history, the amount of debt you have, and the extent of your credit history. As you can see from the above chart, the value of a credit score lies between 300 &#8211; 850 where 300 is the poorest score and 850 is the best score. Now if your score lies in the lower range, do not feel discouraged. We will help you understand how to improve your CIBIL score quickly in this article.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_You_Need_To_Know_About_CIBIL_Scores\"><\/span><strong>What You Need To Know About CIBIL Scores<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><br>Credit Information Bureau India Limited (CIBIL) is a credit information company that authorizes loan approvals. They hold records of all the credit-related activities of companies as well as individuals including credit cards and loans. What a FICO score is in the US, a CIBIL score is in India. They are all credit scores in the end.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Ways_To_Improve_Your_Credit_Score\"><\/span><strong>Best Ways To Improve Your Credit Score<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Lenders and loan providers use credit scores to determine whether to give you credit or not. It is therefore recommended that you keep a tab on your credit card monthly payments and personal loan EMIs on a regular basis. It takes a bit of time and effort to understand how to increase credit scores quickly, but as you read along, you\u2019ll get the hang of it.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Review Your Credit Score<\/strong>s<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>The first thing to do upon noticing a poor credit score would be to review your credit report. Check your shortcomings and take a look at what factors affected your score. Sometimes you can check your credit report for free and sometimes you\u2019ll have to pay. But if you\u2019re really keen on knowing how to improve your credit score in order to easily apply for a loan, there\u2019s no harm in paying a small sum. This is how a typical credit report would look like:<\/p>\n\n\n\n<p>Factors contributing to a good credit score include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>A history of on-time payments<\/li>\n\n\n\n<li>Lower credit card balance<\/li>\n\n\n\n<li>A mix of different credit cards and loan accounts<\/li>\n\n\n\n<li>Older credit accounts, and<\/li>\n\n\n\n<li>Minimal enquiries for new credit<\/li>\n<\/ol>\n\n\n\n<p><em><strong>We will help you with the right funds &amp; housing. Click on the banners to learn more!<\/strong><\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Start Paying Your Bills On Time<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>One of the guaranteed ways to improve your CIBIL score would be to get a handle on your bill payments. Your payment history has the biggest impact on your credit score. If you have records of previously paid-off debts, retain them in your records so it works in your favour. Some of the simplest solutions to how to improve your credit score as regards bill payments are as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keep a track of your monthly bills<\/li>\n\n\n\n<li>Set due-date alerts so you know when a bill is coming up<\/li>\n\n\n\n<li>Charge your monthly bill payments to your credit card so you can avoid the hassle of paying interest<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Customise Your Credit Limit<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>How much credit you utilize significantly impacts your credit score. Smart ways to improve your CIBIL score would include putting a restriction on your credit usage as per the allotted limit. Reaching or exceeding the limit is harmful to your score. You can get in touch with your lender and customize your credit limit based on your expenses.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Limit Your Requests For New Credits<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>If you keep applying for new credits, you give the impression that you are constantly in need of credit and that\u2019s not what you want! You can deal with how to improve your credit score by applying for new credit only if you need it and can repay it within the time otherwise it may adversely affect your credit score.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Opt For A Longer Tenor<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>So when you take a loan, try choosing a longer tenor for repayment. This will ensure that your EMI is low and when your EMI is low, you will be able to make the payments on time. As mentioned above, automate your monthly payments to your bank accounts for timely payments. When you don\u2019t delay or skip your payments, it will positively contribute to your CIBIL score.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A Maximum Of 30% Credit Utilization Is Enough<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Try and avoid using your credit card for every purpose. To understand how to improve your credit score, it is recommended to keep your credit utilization ratio less than or up to 30 percent. Because of this, it\u2019ll create a positive impact on the CIBIL score. Having your monthly balances low will display a good CIBIL score.<\/p>\n\n\n\n<p>If you\u2019re looking for assistance with borrowing student education loans, head to <a href=\"https:\/\/unicreds.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">UniCreds<\/a> and avail of their zero charge services.<\/p>\n\n\n\n<p><em><strong>Thank you for reading our blog on How To Improve Your Credit Score. If you need any further information or help, these blogs may be of use to you:<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/unischolars.com\/blog\/money-saving-meals\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em><span style=\"text-decoration: underline\">Money Saving Meals I Bet You Didn\u2019t Think<strong> Of<\/strong><\/span><\/em><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/unischolars.com\/blog\/importance-of-saving-money\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em><span style=\"text-decoration: underline\"><strong>Catch Up On The Importance Of Saving Money For 2021<\/strong><\/span><\/em><\/a><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/unischolars.com\/blog\/cheap-self-storage-units\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em><span style=\"text-decoration: underline\">How <\/span><\/em><\/a><\/strong><a href=\"https:\/\/unischolars.com\/blog\/cheap-self-storage-units\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em><span style=\"text-decoration: underline\"><strong>To Find Cheap Self Storage Units That Fit Within Your Budget<\/strong><\/span><\/em><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>When you require financial aid in order to get into study abroad universities, you resort to education loans. But would you let a lower credit score destroy your dreams of getting the best education? The answer is obviously a big NO. With the help of this ultimate guide to credit scores, you&#8217;ll get an idea [&hellip;]<\/p>\n","protected":false},"author":80,"featured_media":1732,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[4156],"tags":[],"class_list":["post-1731","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-living"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Ultimate Guide On How To Improve Your Credit Score - unischolars blog<\/title>\n<meta name=\"description\" content=\"You can always pursue your study abroad dreams by taking a loan if you learn how to improve your credit score. Here&#039;s how you go about it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/unischolars.com\/blog\/how-to-improve-your-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Ultimate Guide On How To Improve Your Credit Score - unischolars blog\" \/>\n<meta property=\"og:description\" content=\"You can always pursue your study abroad dreams by taking a loan if you learn how to improve your credit score. 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