If you’ve been rejected for a personal loan or credit card recently, chances are your CIBIL score is not working in your favor.
But here’s the good news:
🎯 You can improve your credit score in as little as 90 days—if you know the right steps.
Let’s decode what a low credit score really means and how you can bounce back with confidence (and credit).
What Is a Low Credit Score?
A CIBIL score ranges from 300 to 900.
Here’s how it’s generally interpreted:
| Score Range | Credit Health |
|---|---|
| 750–900 | Excellent |
| 700–749 | Good |
| 650–699 | Fair (Needs Improvement) |
| 600–649 | Poor |
| Below 600 | High Risk |
👉 If your score is below 700, lenders start seeing you as a credit risk, leading to:
Higher interest rates
Lower loan amounts
Flat-out rejections
Why Is Your Credit Score Low?
Some common reasons include:
Missed or late EMIs
Credit card overuse (90%+ limit)
Too many loan inquiries in a short time
Defaulted loans
No credit history at all
Even closing old credit cards can drop your score by lowering your credit age.
How to Improve Your Credit Score in 90 Days
Here’s a 3-month plan that works:
1. Pay All EMIs & Credit Card Dues on Time (Month 1–3)
Set up auto-debit. Even one 30-day delay can damage your score for months.
2. Keep Credit Card Usage Below 30%
If your limit is ₹1,00,000, try not to exceed ₹30,000.
Use your card smartly, and pay before the due date.
3. Take a Small Personal Loan or Credit Builder Loan (Month 1)
Use platforms like Vizzve Finance that offer instant personal loans, even to users with fair or low scores.
Repay it on time—it adds positive repayment history to your credit file.
4. Don’t Apply for Too Many Loans at Once
Every application triggers a hard inquiry, which reduces your score.
Apply only where your eligibility is pre-checked, like on Vizzve.
5. Check and Correct Errors in Credit Report (Month 1)
Visit CIBIL or Experian
Check for:
Loans you never took
Duplicate entries
Unclosed loans
Dispute any errors. Fixing them alone can boost your score quickly.
Bonus: Add a Co-Applicant or Guarantor
If applying for a loan while improving your credit score, a co-applicant with a good score can:
Increase approval chances
Fetch better terms
FAQs
Q1. How fast can I increase my CIBIL score?
With disciplined action, you can improve it significantly within 60–90 days.
Q2. Will Vizzve give me a loan with a low score?
Yes, if you have alternate proofs like bank statements and a steady income flow. Vizzve’s approval is not just credit-score based.
Q3. What’s the fastest way to fix a credit score?
Pay dues, lower credit utilization, and start repaying a small loan or credit line.
Published on : 24th July
Published by : SMITA
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