Credit Score Guide #83: What is a Good CIBIL Score & How to Keep It That Way Forever

 

Aim for 750+ CIBIL Score? Here's How to Not Only Reach It — But Keep It Stable Long-Term

Having a good CIBIL score gets you faster loans, better cards, and lower interest rates. Here's how to build and maintain it like a pro.

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📊 What is a “Good” Credit Score?

Score Range	Status	Loan Chances
800–900	Excellent	✅ High Approval
750–799	Good	✅ Approved
650–749	Average	⚠️ Medium Risk
Below 650	Poor	❌ Rejection Risk

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🛡️ How to Maintain a Good Score

• Always pay credit card bills before due date
• Keep credit usage below 30%
• Never miss EMIs
• Avoid applying for too many loans
• Don’t close old cards

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📱 Track Score with Free Apps

• OneScore
• Paytm Credit Report
• Bajaj Finserv
• CreditMantri

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✅ Conclusion

Your CIBIL score = financial reputation. Protect it like a digital asset, because it decides your future borrowing power.

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