How to Increase CIBIL Score from 600 to 750

What Does a CIBIL Score of 600 Mean?

A score of 600 is below CIBIL’s generally good benchmark. It should not automatically be labelled with an unofficial CIBIL risk band. Access to some loans or cards may be harder, while approval is still not decided by the score alone. Lenders can examine income, current EMIs, security, documents and internal policy.

Lower than 600? Learn how to increase your CIBIL score from 500 to 750.

Practical Tips to Increase Your CIBIL Score from 600 to 750

1. Diagnose the report before applying again

The borrower should review open and closed accounts, balances, overdue amounts, payment history and enquiries. Piramal Finance lists payment history, utilisation, credit age, credit mix, and new enquiries among the factors that may affect a credit profile. A score alone cannot indicate whether the main issue is arrears, high balances, limited history, or inaccurate reporting.

2. Pay every EMI and card bill on time

A calendar, alerts or automatic debit can reduce accidental delays when the linked account has sufficient funds. Paying the full card amount also avoids interest and carried balances. CIBIL says prompt payment supports credit health and warns that late or missed card payments may negatively affect the score. No fixed gain can be assigned to a run of timely payments.

3. Keep credit utilisation manageable

CIBIL describes spending up to about 30% of the available limit as a healthy benchmark. The percentage is guidance and does not promise a particular score. Reducing an existing balance is usually more prudent than opening another account solely to change the ratio.

4. Dispute only genuine inaccuracies

An unfamiliar account, a duplicate entry, an incorrect balance, or a closed loan shown as active should be reported to CIBIL and the reporting lender. CIBIL says a dispute may take approximately 30 days, depending on the institution’s response, and CIBIL cannot change the supplied data without confirmation. Accurate negative information cannot be removed merely because it lowers the score.

5. Apply for new credit selectively

A lender enquiry may have a marginal effect, while several applications in a short period may have a greater negative impact. CIBIL advises consumers to apply only when credit is needed. The borrower should compare eligibility, total cost and repayment capacity before submitting an application. No official rule imposes a six-month freeze or a fixed deduction for each enquiry.

6. Review older cards before closing them

A longstanding card with a clean payment history may support credit history length. Closing it can also reduce available credit and raise utilisation. CIBIL recommends considering account age, fees, financial priorities and spending risk before closure. Retaining every unused card is unnecessary when it is costly or difficult to manage.

7. Consider secured credit only when suitable

A fixed-deposit-backed card may be an option when access to ordinary cards is limited. CIBIL describes secured cards as one route to establishing credit. Approval, fees, deposit and limit depend on the issuer. The borrower should confirm bureau reporting and ensure that blocking the deposit will not strain essential finances. Several secured products are unnecessary.

8. Let credit mix grow through genuine needs

Secured and unsecured accounts can contribute to credit mix, but new debt should not be taken merely for variety. Interest, fees, and repayment risk can outweigh any uncertainty in score movement. The existing portfolio should remain affordable. A request for a higher card limit may lower utilisation only if spending stays unchanged, and the issuer should confirm whether the request creates an enquiry.

Address a Settled Account Carefully

A settled status means the lender accepted less than the full amount due. CIBIL explains that lenders may view this negatively. Its guidance describes paying the remaining amount, obtaining an NOC and raising a dispute so the lender can confirm any revised status. The change is not automatic, and another loan should not be taken without assessing its cost.

How Long Can the Move from 600 to 750 Take?

CIBIL does not publish a standard 30-day, six-month or 18-month recovery schedule. Timing depends on the reason for the current score, the age of any missed payments, balances, enquiries, and later reporting. A verified correction may produce a different result from rebuilding after genuine arrears. The borrower should track actual statuses and manageable debt rather than promised monthly points.

Check Your Free CIBIL Score with Piramal Finance

Want to see whether your credit profile has improved? Check your CIBIL Score and credit report for free with Piramal Finance in under two minutes. The process is simple:

Note: Checking your own score is a soft enquiry and does not lower your CIBIL Score.