CIBIL Score Kaise Badhaye: FREE सिबिल स्कोर बढ़ाने का सबसे आसान तरीका, स्कोर बढ़ाकर तुरंत लोन ले

CIBIL Score Kaise Badhaye:-Aaj ke samay mein, ek accha CIBIL score aapke liye arthik avasar kholti hai. Chahe aap kisi credit card, personal loan, home loan ya kisi bhi tarah ki kredit ke liye dekh rahe hon, aapka CIBIL score aapki yogyata ko nirdharit karne mein ek mukhya bhumika nibhata hai. Is article mein, hum ek uncha CIBIL score ki mahatvapurna bhumika aur ise sudharne ke actionable tips ke bare mein vichar karenge.

What is a CIBIL Score?

Aapka CIBIL score, jise Credit Score bhi kaha jata hai, aapki kredit yogyata ko darust karta hai. Is score ko aapki kredit itihas par adharit roop se calculate kiya jata hai, jisme aapki vayvadhan itihas, baaki karj, aur aapki kredit itihas ki lambai shaamil hai. CIBIL scores 300 se lekar 900 tak hote hain, jahan adhik scores behtar kredit yogyata ko darust karte hain.

Why is Your CIBIL Score Important?

Aapka CIBIL score mahatvapurna hai kyonki yah ek aisi mukhya kadi hai jo karj ke liye aapki aavedan ko moolyaankan karne mein len-den karte samay vittiya sansthaayein dekhti hain. Ek uncha CIBIL score darust karta hai ki aap ek jimmedar karjyakarta hain jo apne karj ko samay par chukate hain. Viprit rup se, kam score karj ke liye nakar kar sakta hai ya karj par adhik byaaj dar lag sakta hai.

How to Check Your CIBIL Score

Apne CIBIL Score ko jaanne ke liye neeche diye gaye kadam follow karein:

1. Official CIBIL Website Par Jaayein: CIBIL score jaanne ke liye sabse pehle CIBIL ki official website “https://www.cibil.com/” par jaayein.

2. “Get Your CIBIL Score” Ya “Check Your CIBIL Score” Par Click Karein: Website par pahunchne ke baad, aapko “Get Your CIBIL Score” ya “Check Your CIBIL Score” jaisa ek link ya button dikhayi dega. Is par click karein.

3. Apna Panjikaran Karein: CIBIL score jaane ke liye, aapko apna panjikaran karna hoga. Yahaan par aapko apne personal aur financial details jaise ki naam, pan card number, date of birth, email ID, mobile number, aur anya maang ki gayi jaankariyan bharni hongi.

4. OTP Prapt Karein: Panjikaran ke baad, aapke diye gaye mobile number par ek OTP (One Time Password) bheja jayega. Is OTP ko verify karein.

5. CIBIL Score Dekhein: OTP verify hone ke baad, aap apne CIBIL score aur vittiya riport ko dekh sakte hain. Aapko apne score ki ek copy bhi download kar sakte hain ya print kar sakte hain.

Dhyan rahe ki CIBIL score jaanne ke liye kuch websites ya apps bhi upalabdh hain, lekin CIBIL ki official website se hi aapko sahi aur satik jaankari milti hai. Isliye, hamesha official website ka hi istemal karein apne CIBIL score ko jaanne ke liye.

Factors Affecting Your CIBIL Score

Aapke CIBIL Score Ko Prabhavit Karne Vale Karak

Aapke CIBIL score ko anek karak prabhavit kar sakte hain, jaise:

1. Bhugtan Itihas (Payment History): Bhugtan itihas ka aham bhumika hota hai. Samay par bhugtan karne se aapke CIBIL score ko sudharne mein madad milti hai. Kisi bhi karj ke EMI aur credit card ke bills ko samay par bhugtan karna CIBIL score ko sudharne mein madad karta hai.

2. Credit Utilization Ratio: Aapke credit card par upalabdh limit ke mukable mein kitna karja utpadit hota hai, isko credit utilization ratio ke roop mein jana jata hai. Aapke CIBIL score par prabhav dalta hai, isliye isse nicha rakhein. Aam taur par, credit utilization ratio ko 30% se kam rakhna uchit hai.

3. Bhugtan Itihas Ki Lambai (Length of Credit History): Aapke vittiya itihas ki lambai bhi mahatvapurna hai. Purane vittiya itihas ko band kar dena aapke vittiya itihas ki ausat avadhi ko ghatane ka karan ho sakta hai, jo aapke score ko kam kar sakta hai. Purane khate ko band na karein, chahe aap unka adhik upayog na karen.

4. Vittiya Anupat (Types of Credit Accounts): Vibhinn prakar ke vittiya hisson ka mix rakhna bhi aapke score par sakaratmak prabhav dalta hai. Isse yah spasht hota hai ki aap vibhinn prakar ke vittiya hisson ko kis tarah se prabandhit kar sakte hain.

5. Naye Vittiya Anurodh (Recent Credit Inquiries): Aapke vittiya report mein anya vittiya sansthaaon dvara kiye gaye haard ikaariyon ka prabhav hota hai. Adhiktar haard ikaariyon ka avashyakta se adhik hone par aapka score thoda kam ho sakta hai.

In karakon ko samajhna aur un par dhyan dena aapke CIBIL score ko sudharne mein madadgar ho sakta hai.

Aapka CIBIL Score Kaise Check Kare Aap aasani se apna CIBIL score jaan sakte hain, CIBIL ki official website par jaakar ya kisi aur kredit monitoring seva ka istemal karke. Yeh samajhna uchit hai ki aap apne vittiya swasthya ke bare mein jaankar rahne ke liye niyamit roop se apna score jaanch lein.

Aapke CIBIL Score Ko Sudharne Ke Tips

• Payment history
• Credit utilization ratio
• Length of credit history
• Types of credit accounts
• Recent credit inquiries

Aapke CIBIL Score Ko Sudharne Ke Kuch Tips:

1. Samay Par Bhugtan Karein: Bhugtan itihas mein samay par bhugtan karne ka mahatva hai. Apne credit card bills aur loan ki EMI ko samay par bhugtan karein. Aap automatic bhugtan ya yaad-dilane ki sujhav ka bhi istemal kar sakte hain.

2. Kam Credit Card Upayog Karein: Aapke credit card ka prayog seemit roop se karein aur har mahine ki poora bhugtan karein. Aapke credit card ke balance ko aapke available limit ke mukable kam rakhne se aapka score sudhar sakta hai.

3. Purane Vittiya Khate Ko Band Na Karein: Aapke purane vittiya khate ko band kar dena aapke score ko kam kar sakta hai, khaaskar agar vah lambe samay se chal rahe hain. Aap unhein band na karein, chahe aap unka upayog na karen.

4. Vibhinn Prakar Ke Vittiya Hisson Ka Mix Banayein: Vibhinn prakar ke vittiya hisson ka mix rakhna aapke score par sakaratmak prabhav dal sakta hai. Isse yah spasht hota hai ki aap vibhinn prakar ke vittiya hisson ko kis tarah se prabandhit kar sakte hain.

5. Aapki Vittiya Report Ko Niyantrit Roop Se Check Karein: Apne vittiya report mein galtiyon aur asahi sujhavon ko dhyan se dekhein. Jo bhi vyatirek ho, unhein sudharne ke liye kriyashil ho jayein, taki aapke vittiya itihas ka sahi prastutikaran ho sake.

Aap apne CIBIL score ko sudharne ke liye in sujhavon ka palan kar sakte hain. Yadi aap samay par bhugtan karte hain aur apne vittiya hisson ka dhyan rakhte hain, to aapka score sudharne mein madadgar ho sakta hai.

Apne CIBIL Score Ko Teji Se Badhane Ke Liye

Apne CIBIL Score ko teji se badhane ke liye, niche diye gaye kuch kadam aapke liye madadgar ho sakte hain:

1. Aapke Vittiya Report Mein Galtiyo Ko Sudhar Karein: Apne vittiya report ko dhyan se dekhe aur agar kisi prakar ki galat jaankari ho to use sudharne ke liye turant samadhan karein. Galat jaankari sudharne se aapka score turant sudhar sakta hai.
2. Dene Yogya Baki Karj Ko Suljhayein: Yadi aapke paas baki karj hain to unhe suljhane ka vichar karein. Apne karj ko bhugatne ke liye vyavsayik roop se sahamat karen ya ek bhugtan yojana taiyaar karen. Baki karj ko kam karke aapka CIBIL score sudhar sakta hai.
3. Lagataar Karj Prarthi Banein: Lagataar karj prarthi banne ke bajay, lagataar bhugtan karein. Isse aapka score sudhar sakta hai.
4. Vittiya Report Ko Regularly Check Karein: Apne vittiya report ko niyamit roop se dekhein aur kisi prakar ki galat jaankari ko turant sudharne ke liye kaagjat karein. Apne vittiya itihas ko dhyan se monitor karke aap apne score ko sudhar sakte hain.
5. Credit Card Upayog Se Bachayein: Credit card ka prayog seemit roop se karein aur uttamatah ka balance chukayein. Adhik credit card upayog se bachne se aapka score sudhar sakta hai.
6. Vibhinn Prakar Ke Vittiya Khate Banayein: Vibhinn prakar ke vittiya khate banane se aapka score sudhar sakta hai. Aap credit card, personal loan, aur home loan jaise vibhinn prakar ke vittiya khate banayein.
7. Naye Karj Ki Anurodhon Se Bachayein: Apne CIBIL report par lagataar anurodhon se bachne ke liye, karj anurodhon ko kam se kam karne ki koshish karein. Lagataar karj anurodhon se bachne se aapka score sudhar sakta hai.

Dhyan rahe ki CIBIL score sudharne mein samay lag sakta hai, isliye vyavsayik roop se uparokt kadam uthakar aap apne vittiya sthiti ko sudhar sakte hain.

FAQs CIBIL Score Kaise Badhaye

1. Achha CIBIL score kis range mein aata hai? Ek achha CIBIL score aam taur par 750 se 900 ke beech hota hai.
2. Main apna CIBIL score kitni der mein jaanchun? Yah uchit hai ki aap apna CIBIL score kam se kam ek bar varsh mein aur kisi bade karj ke liye aavedan karne se pahle jaanch lein.
3. Kya main apna CIBIL score teji se sudhar sakta hoon? Ek uncha CIBIL score banane mein samay lagta hai, lekin aap bills samay par bharkar aur baaki karj ko kam karke sudhar dekh sakte hain.
4. Kya credit card hisson ko band karne se mera score sudhar sakta hai? Credit card hisson ko band karne se kabhi-kabhi aapke score par nuksan ho sakta hai, visheshkar agar ve purane hain. Unhe band karke na rakhen, visheshkar jab aap unhe adhik upayog nahin karte hain.
5. Kya kam CIBIL score ke sath bhi karj prapt kiya ja sakta hai? Hote huye karj prapt karna mushkil ho sakta hai ek kam CIBIL score ke sath, lekin kuch sansthaayein kam score wale vyaktiyon ke liye vishesh utpadan pradan karti hain. Ye karj aksar adhik byaaj dar ke sath aate hain.

Is vistar se pandulipika mein, humne aapko apne CIBIL score ko sudharne aur ise arthik laabh ke liye kaise istemal karne ke bare mein jaan ne ke liye sab kuch bataya hai. Apne kredit yogyata par kabu pa kar apne arthik bhavishya ke liye rasta kholein.

CIBIL Score Kaise Badhaye:- Quick  Link