Credit Score Guide #73: How to Rebuild a Bad CIBIL Score in 6 Months

 

CIBIL Below 650? Don’t Worry — You Can Fix It. Here’s How to Bounce Back Fast.

Bad credit isn’t permanent — but it needs action. With smart steps, you can rebuild a 600–650 score into a solid 750+ within 6–12 months.

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📉 Common Reasons for Low CIBIL

• Missed loan/EMI payments
• High credit card usage
• Loan defaults
• Too many hard inquiries

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✅ Rebuilding Steps (Month-Wise Plan)

Month 1–2:

• Pay off overdue bills
• Raise disputes with CIBIL (if incorrect data)
• Reduce credit usage to <30%

Month 3–4:

• Start a secured credit card (FD-backed)
• Keep usage below ₹1,000/month and repay full
• Stop applying for new loans

Month 5–6:

• Ask banks to update cleared dues
• Keep all payments on-time
• Use EMI reminders/auto-debit

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🧠 Extra Tips

• Don’t close old credit accounts
• Stay consistent for 6–12 months — credit score updates monthly
• Check CIBIL every 60 days

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✅ Conclusion

Credit score recovery is slow — but 100% possible with the right discipline. Your CIBIL is your reputation — repair it and regain your power.

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