Your credit score is more than just a number — it’s your gateway to better loans, lower interest rates, and greater financial freedom. If your CIBIL score is lagging, don’t worry. With the right strategies, you can boost your credit score significantly in just 3 months. Here’s how, with expert tips from Vizzve Finance.
✅ 1. Pay All EMIs and Credit Card Bills on Time
Your payment history accounts for 35% of your credit score.
Action:
Set up auto-payments
Pay at least the minimum due, but full payment is ideal
Clear overdue payments ASAP
Vizzve Tip: Even one late payment can impact your CIBIL score for months.
✅ 2. Reduce Your Credit Utilization Ratio
Keep your credit usage below 30% of your total limit.
Action:
Pay down balances early
Avoid maxing out cards
Ask for a limit increase (without increasing spending)
Example: If your credit limit is ₹1,00,000, keep monthly usage below ₹30,000.
✅ 3. Don’t Apply for Multiple Loans or Cards at Once
Too many hard inquiries can lower your score.
Action:
Apply only when necessary
Use Vizzve’s loan comparison tool to find the best offer without multiple inquiries
✅ 4. Dispute Any Errors on Your Credit Report
Inaccurate information can pull down your score.
Action:
Get your free CIBIL report
Check for incorrect loans, wrong balances, or outdated data
Raise a dispute through CIBIL’s official portal
✅ 5. Maintain Old Credit Accounts
Long credit history = higher creditworthiness.
Action:
Don’t close old credit cards unless they have high fees
Keep older cards active with small recurring payments
✅ 6. Diversify Your Credit Mix
Lenders like to see a mix of credit types: credit cards, personal loans, etc.
Action:
If you only use credit cards, consider a small Vizzve personal loan to balance your profile
✅ 7. Use a Low-Balance Credit Card Responsibly
If you’re new to credit, a secured credit card is a safe option to build or improve your score.
Action:
Use it for groceries or bills
Pay off the full balance before the due date
✅ 8. Use Vizzve to Monitor and Improve Your Credit Profile
Vizzve Finance offers tools to:
Track your credit score over time
Get actionable tips to improve it
Match you with loans suited to your current profile
Avoid high-interest lenders that damage credit further
How Long Does It Take to See Results?
If you follow these tips consistently, you may see score improvement in 30–90 days — especially if late payments or high utilization were the main issues.
FAQs
Q1. How many points can I increase in 3 months?
Depending on the issue, you could improve by 50–100+ points with disciplined action.
Q2. Can Vizzve help if I have a very low score (below 600)?
Yes. Vizzve offers beginner-friendly loans, credit-building tips, and low-risk borrowing tools.
Q3. Does paying off a loan improve credit score fast?
Yes, especially if the loan was active for a while and paid off on time.
Q4. Is credit score improvement guaranteed in 3 months?
While guaranteed results aren't possible, most people see visible improvement with consistent actions and no new negative activity.
published on 2nd july
Publisher : SMITA
www.vizzve.com || www.vizzveservices.com
Follow us on social media: Facebook || Linkedin || Instagram
🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.