How to Improve My CIBIL Score in 90 Days

Your CIBIL score decides your loan eligibility, interest rate, and overall financial credibility.If your score is low, the good news is you can improve it significantly in 90 days with the right strategy.

Here’s a simple, actionable plan:

1. Pay All EMIs & Credit Card Bills On Time

   The biggest factor in your score is payment history (35%).

   Do this for 90 days:

   • Pay every bill before the due date

   • Set auto-debit or reminders

   • Clear any overdue EMIs immediately

   Result:Your score starts improving in 30–45 days.

   
   

2. Reduce Credit Card Utilisation Below 30%

   If your credit limit is ₹1,00,000, keep spending under ₹30,000.

   High utilisation = high risk = low score.

   Smart trick:

   • Make multiple small payments throughout the month

   • Request for a credit limit increase (this instantly reduces utilisation ratio)

   
   

3. Clear Small Outstanding Dues

   Even ₹200 pending on a credit card can hamper your score.

   Check CIBIL report → look for:

   • Settled status

   • Written-off accounts

   • Overdue amounts

   • Incorrect late payment entries

   Clear them immediately.

   
   

4. Avoid New Loan/Credit Card Applications

   Every application creates a hard inquiry, dropping your score by 5–10 points.

   For 90 days:

   • Do NOT apply for new loans

   • Do NOT submit forms for credit cards

   
   

5. Maintain a Healthy Credit Mix

   A combination of secured + unsecured credit improves your score. If you only have unsecured credit (credit cards, personal loans), consider:

   • A small FD-secured credit card

   • Loan against FD

   These boost your profile without adding risk.

   
   

6. Keep Your Oldest Credit Card Active

   Your credit age affects your score.

   Don’t close your oldest card → use it once a month → pay in full.

   
   

7. Monitor Your Credit Report Every Month

   Check for:

   • Incorrect entries

   • Fraudulent loans

   • Wrong overdue status

   • Duplicate accounts

   Raise disputes on CIBIL’s portal — corrections usually reflect within 30–45 days.

Expected Results in 90 Days: An Improved CIBIL Score

If you follow the plan:

• +40 to +90 points increase is realistic

• Loan eligibility improves

• Interest rates reduce

• Offers from top banks increase

Final Thoughts

Improving your CIBIL score is not complicated; it’s a matter of discipline and strategy.For the next 90 days, focus on timely payments, low utilisation, no new credit, and fixing errors. Your score will rise consistently and unlock better financial opportunities. Get in touch with one day finance for a free consultation.