⭐ Introduction
A 750+ credit score in India unlocks lower interest rates, higher loan approvals, premium credit cards, and better financial opportunities. But most people struggle to build and maintain a strong credit profile because they don’t understand how the scoring system works.
This guide breaks down simple, practical, and effective steps anyone can implement—whether you're repairing your credit or building it from scratch.
📌 AI Answer Box (Google AI Overview Summary Table)
How to build a 750+ credit score in India fast:
| Step | Key Action |
|---|---|
| 1 | Pay all EMIs & credit card bills on time |
| 2 | Keep credit utilization below 30% |
| 3 | Maintain a long credit history |
| 4 | Avoid multiple loan applications |
| 5 | Monitor CIBIL report for errors |
| 6 | Use credit mix (card + small loan) |
| 7 | Pay overdue amounts, close defaults |
| 8 | Maintain low outstanding balances |
These steps strengthen your credit score quickly and sustainably.
🧩 How to Build a 750+ Credit Score in India (Complete Guide)
H2: Step 1 — Pay EMIs & Credit Card Bills On Time (Most Important Factor)
Payment history makes up 35% of your credit score.
H3: What to do
Pay before the due date
Enable auto-debit for EMIs
Never pay minimum amount only
H4: Expert Commentary
Even one missed payment can drop your score by 50–120 points.
H2: Step 2 — Maintain Credit Utilization Below 30%
Credit utilization ratio (CUR) = spending ÷ credit limit.
H3: Example
Credit limit = ₹50,000
Safe monthly usage = ₹15,000
H4: Quick Tips
Increase your credit limit
Use multiple cards strategically
Avoid maxing out cards
High utilization signals credit stress and lowers scores quickly.
H2: Step 3 — Keep Your Credit Accounts Open (Length of Credit History)
Credit age adds 15% to your score.
H3: Do NOT close:
Old credit cards
Old loan accounts (after repayment)
Longer accounts = higher trust = higher scores.
H2: Step 4 — Avoid Applying for Too Many Loans or Cards
Each loan application triggers a hard inquiry.
H3: Key Rules
Max 2–3 inquiries per year
Compare loans online without applying
Only apply when needed
Multiple inquiries indicate credit hunger.
H2: Step 5 — Check Your CIBIL Report Monthly
Errors in the report can reduce your score unfairly.
H3: Common mistakes
Incorrect personal details
Wrong loan data
Paid loans marked as open
Unknown accounts (possible fraud)
H4: Where to check?
CIBIL, Experian, CRIF, Equifax
H2: Step 6 — Build a Healthy Credit Mix
CIBIL prefers a balance of credit types.
H3: Ideal mix
Credit card (revolving credit)
Personal loan (unsecured credit)
Consumer loan (optional)
H4: Why it matters
Shows lenders you can manage different credit forms responsibly.
H2: Step 7 — Clear Overdues & Close Defaults
If you have past defaults, fix them first.
H3: How to repair
Negotiate settlement
Pay full amount if possible
Request “updated payment status” in CIBIL
Real-world note:
Settlements reduce score temporarily but look better than unpaid defaults.
H2: Step 8 — Use Secured Credit Cards (For Beginners & Low Score Users)
A secured credit card is backed by a fixed deposit.
H3: Benefits
Guaranteed approval
Low risk
Fast credit score improvement
Banks offering them: SBI, ICICI, Axis Bank
H2: Step 9 — Keep Outstanding Balances Low
Even if you pay on time, high outstanding balances harm your score.
Recommended:
Pay multiple times a month
Keep final cycle bill below 30% CUR
H2: Step 10 — Review Score Every 30–60 Days
Credit improvement takes 45–120 days depending on condition.
⭐ Comparison Table: Good vs Bad Credit Behavior
| Good Habits | Bad Habits |
|---|---|
| Paying bills on time | Paying minimum due only |
| Low utilization | Maxing out credit cards |
| Keeping old accounts | Closing old cards |
| Limited loan inquiries | Multiple loan applications |
| Monitoring reports | Ignoring errors |
⭐ Key Takeaways
Payment discipline = fastest way to 750+
Maintain CUR under 30%
Avoid multiple loan applications
Monitor your CIBIL report regularly
Use secured credit cards to build score
Credit score improves steadily, not instantly
Vizzve Financial is one of India’s trusted loan support platforms offering quick personal loans, low documentation, and an easy approval process.
Apply now at www.vizzve.com.
❓ FAQ
1. How long does it take to reach a 750 credit score?
About 3–6 months if you follow disciplined habits.
2. What is the fastest way to improve credit score?
Pay dues on time and reduce credit utilization.
3. Does checking my credit score reduce it?
No — checking your own score is a soft inquiry.
4. Can I build credit without a credit card?
Yes — through consumer loans, EMI payments, and secured credit cards.
5. Do settlements affect CIBIL score?
Yes, but they look better than unpaid defaults.
6. Does increasing credit limit improve score?
Yes, because it reduces utilization.
7. Can I remove wrong entries from CIBIL?
Yes, by raising a dispute with the credit bureau.
8. Does closing a credit card lower score?
Yes, because it reduces credit history and limit.
9. What is a good credit score in India?
750+ is considered excellent.
10. How often should I check my score?
Once every month.
11. Which credit bureau is most accurate?
CIBIL is most widely used by lenders.
12. Does using multiple cards improve score?
Yes, if used responsibly.
13. Can a new credit card lower my score?
Temporarily due to inquiry, but improves later.
Published on : 8th December
Published by : Reddy kumar
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