{"id":244,"date":"2026-05-01T16:12:02","date_gmt":"2026-05-01T16:12:02","guid":{"rendered":"https:\/\/famenest.com\/blog\/?p=244"},"modified":"2026-05-01T16:35:42","modified_gmt":"2026-05-01T16:35:42","slug":"cibil-score-kaise-badhaye","status":"publish","type":"post","link":"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/","title":{"rendered":"Cibil Score Kaise Badhaye \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u092c\u0922\u093c\u093e\u090f\u0902 (2026 \u0917\u093e\u0907\u0921) \u2013 \u0906\u0938\u093e\u0928 \u0924\u0930\u0940\u0915\u0947, \u091a\u093e\u0930\u094d\u091f \u0914\u0930 \u092a\u0942\u0930\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940"},"content":{"rendered":"\n<p>\u0906\u091c \u0915\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 \u0905\u0917\u0930 \u0906\u092a <strong>\u0939\u094b\u092e \u0932\u094b\u0928, \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921<\/strong> \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u091c\u094b \u091a\u0940\u091c\u093c \u092c\u0948\u0902\u0915 \u0926\u0947\u0916\u0924\u093e \u0939\u0948, \u0935\u0939 \u0939\u0948 \u0906\u092a\u0915\u093e <strong>\u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 (CIBIL Score)<\/strong>\u0964 \u092c\u0939\u0941\u0924 \u0938\u0947 \u0932\u094b\u0917 \u0938\u092e\u091d \u0928\u0939\u0940\u0902 \u092a\u093e\u0924\u0947 \u0915\u093f <strong>\u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948 (CIBIL kya hota hai)<\/strong> \u0914\u0930 <strong>\u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947<\/strong> <strong>(Cibil Score Kaise Badhaye)<\/strong> , \u0907\u0938\u0932\u093f\u090f \u0909\u0928\u0915\u093e \u0932\u094b\u0928 \u092c\u093e\u0930-\u092c\u093e\u0930 \u0930\u093f\u091c\u0947\u0915\u094d\u091f \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0907\u0938 \u0906\u0930\u094d\u091f\u093f\u0915\u0932 \u092e\u0947\u0902 \u0939\u092e \u0906\u092a\u0915\u094b \u092c\u093f\u0932\u094d\u0915\u0941\u0932 \u0906\u0938\u093e\u0928 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u0938\u092e\u091d\u093e\u090f\u0902\u0917\u0947 \u0915\u093f <strong>\u0916\u0930\u093e\u092c CIBIL score kaise thik kare<\/strong>, <strong>\u0924\u0941\u0930\u0902\u0924 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902<\/strong>, \u0914\u0930 <strong>\u092e\u094b\u092c\u093e\u0907\u0932 \u0938\u0947 \u0938\u093f\u0935\u093f\u0932 \u0915\u0948\u0938\u0947 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/strong> \u2014 \u0924\u093e\u0915\u093f \u0906\u092a \u0905\u092a\u0928\u093e \u0938\u094d\u0915\u094b\u0930 improve \u0915\u0930\u0915\u0947 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0932\u094b\u0928 \u0932\u0947 \u0938\u0915\u0947\u0902\u0964<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%93%8A_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88_CIBIL_kya_hota_hai\" >\ud83d\udcca \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948 (CIBIL kya hota hai)<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%93%88_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A8%E0%A4%BE_%E0%A4%9A%E0%A4%BE%E0%A4%B9%E0%A4%BF%E0%A4%8F\" >\ud83d\udcc8 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u093f\u0924\u0928\u093e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%93%89_%E0%A4%96%E0%A4%B0%E0%A4%BE%E0%A4%AC_CIBIL_score_kaise_thik_kare\" >\ud83d\udcc9 \u0916\u0930\u093e\u092c CIBIL score kaise thik kare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%E2%9A%A1_%E0%A4%A4%E0%A5%81%E0%A4%B0%E0%A4%82%E0%A4%A4_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%B8%E0%A5%81%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A5%87%E0%A4%82\" >\u26a1 \u0924\u0941\u0930\u0902\u0924 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%92%A1_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%B8%E0%A5%81%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A5%87_Advanced_%E0%A4%A4%E0%A4%B0%E0%A5%80%E0%A4%95%E0%A5%87\" >\ud83d\udca1 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947 (Advanced \u0924\u0930\u0940\u0915\u0947)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%92%B0_paise_dekar_cibil_score_kaise_badhaye_%E2%80%93_%E0%A4%B8%E0%A4%9A%E0%A5%8D%E0%A4%9A%E0%A4%BE%E0%A4%88\" >\ud83d\udcb0 paise dekar cibil score kaise badhaye \u2013 \u0938\u091a\u094d\u091a\u093e\u0908<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%93%B1_%E0%A4%AE%E0%A5%8B%E0%A4%AC%E0%A4%BE%E0%A4%87%E0%A4%B2_%E0%A4%B8%E0%A5%87_%E0%A4%B8%E0%A4%BF%E0%A4%B5%E0%A4%BF%E0%A4%B2_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >\ud83d\udcf1 \u092e\u094b\u092c\u093e\u0907\u0932 \u0938\u0947 \u0938\u093f\u0935\u093f\u0932 \u0915\u0948\u0938\u0947 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%86%93_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%91%E0%A4%A8%E0%A4%B2%E0%A4%BE%E0%A4%87%E0%A4%A8_%E0%A4%AB%E0%A5%8D%E0%A4%B0%E0%A5%80\" >\ud83c\udd93 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u091a\u0947\u0915 \u0911\u0928\u0932\u093e\u0907\u0928 \u092b\u094d\u0930\u0940<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%94%81_%E0%A4%B8%E0%A5%87%E0%A4%9F%E0%A4%B2%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%B8%E0%A5%81%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A5%87%E0%A4%82\" >\ud83d\udd01 \u0938\u0947\u091f\u0932\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%93%8A_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%B8%E0%A5%81%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%B8%E0%A4%B0%E0%A4%B2_%E0%A4%9A%E0%A4%BE%E0%A4%B0%E0%A5%8D%E0%A4%9F\" >\ud83d\udcca \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u093e \u0938\u0930\u0932 \u091a\u093e\u0930\u094d\u091f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%A7%A0_%E0%A4%8F%E0%A4%95_%E0%A4%86%E0%A4%B8%E0%A4%BE%E0%A4%A8_%E0%A4%89%E0%A4%A6%E0%A4%BE%E0%A4%B9%E0%A4%B0%E0%A4%A3\" >\ud83e\udde0 \u090f\u0915 \u0906\u0938\u093e\u0928 \u0909\u0926\u093e\u0939\u0930\u0923<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%8F%A0_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%AA%E0%A4%B0_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A4%BE_%E0%A4%85%E0%A4%B8%E0%A4%B0\" >\ud83c\udfe0 \u0932\u094b\u0928 \u092a\u0930 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u093e \u0905\u0938\u0930<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%94%8D_Common_Mistakes_%E0%A4%9C%E0%A5%8B_%E0%A4%86%E0%A4%AA%E0%A4%95%E0%A5%8B_avoid_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%80_%E0%A4%9A%E0%A4%BE%E0%A4%B9%E0%A4%BF%E0%A4%8F\" >\ud83d\udd0d Common Mistakes \u091c\u094b \u0906\u092a\u0915\u094b avoid \u0915\u0930\u0928\u0940 \u091a\u093e\u0939\u093f\u090f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%9A%80_Final_Action_Plan\" >\ud83d\ude80 Final Action Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%F0%9F%A7%BE_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%B7\" >\ud83e\uddfe \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/famenest.com\/blog\/cibil-score-kaise-badhaye\/#%E2%9D%93_FAQ\" >\u2753 FAQ<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8A_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88_CIBIL_kya_hota_hai\"><\/span>\ud83d\udcca \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u094d\u092f\u093e \u0939\u094b\u0924\u093e \u0939\u0948 (CIBIL kya hota hai)<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u090f\u0915 3 \u0905\u0902\u0915\u094b\u0902 \u0915\u093e \u0928\u0902\u092c\u0930 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u094b 300 \u0938\u0947 900 \u0915\u0947 \u092c\u0940\u091a \u0930\u0939\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0928\u0902\u092c\u0930 \u0906\u092a\u0915\u0940 \u092a\u0942\u0930\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0939\u093f\u0938\u094d\u091f\u094d\u0930\u0940 \u0915\u094b \u0926\u0930\u094d\u0936\u093e\u0924\u093e \u0939\u0948\u0964 \u0906\u0938\u093e\u0928 \u092d\u093e\u0937\u093e \u092e\u0947\u0902 \u0938\u092e\u091d\u0947\u0902 \u0924\u094b \u092f\u0939 \u0906\u092a\u0915\u0947 financial behavior \u0915\u093e report card \u0939\u0948\u0964 \u0906\u092a\u0928\u0947 \u0915\u093f\u0924\u0928\u093e \u0932\u094b\u0928 \u0932\u093f\u092f\u093e, \u0938\u092e\u092f \u092a\u0930 EMI \u092d\u0930\u0940 \u092f\u093e \u0928\u0939\u0940\u0902, \u0914\u0930 \u0906\u092a\u0928\u0947 \u0915\u093f\u0924\u0928\u093e credit \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u093f\u092f\u093e \u2014 \u0907\u0928 \u0938\u092c\u0915\u093e \u0905\u0938\u0930 \u0906\u092a\u0915\u0947 \u0938\u094d\u0915\u094b\u0930 \u092a\u0930 \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a\u0928\u0947 \u0939\u092e\u0947\u0936\u093e \u0938\u092e\u092f \u092a\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093f\u092f\u093e \u0939\u0948 \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e \u0938\u0939\u0940 \u0909\u092a\u092f\u094b\u0917 \u0915\u093f\u092f\u093e \u0939\u0948, \u0924\u094b \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0905\u091a\u094d\u091b\u093e \u0930\u0939\u0947\u0917\u093e\u0964 \u0932\u0947\u0915\u093f\u0928 \u0905\u0917\u0930 \u0906\u092a\u0928\u0947 EMI miss \u0915\u0940 \u0939\u0948 \u092f\u093e credit card \u0915\u093e misuse \u0915\u093f\u092f\u093e \u0939\u0948, \u0924\u094b \u0938\u094d\u0915\u094b\u0930 \u0917\u093f\u0930 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%88_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A8%E0%A4%BE_%E0%A4%9A%E0%A4%BE%E0%A4%B9%E0%A4%BF%E0%A4%8F\"><\/span>\ud83d\udcc8 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u093f\u0924\u0928\u093e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0940 \u0930\u0947\u0902\u091c \u0938\u092e\u091d\u0928\u093e \u092c\u0939\u0941\u0924 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0907\u0938\u0940 \u0938\u0947 \u0924\u092f \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u094b \u0932\u094b\u0928 \u092e\u093f\u0932\u0947\u0917\u093e \u092f\u093e \u0928\u0939\u0940\u0902\u0964 \u0905\u0917\u0930 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 300 \u0938\u0947 550 \u0915\u0947 \u092c\u0940\u091a \u0939\u0948, \u0924\u094b \u0907\u0938\u0947 \u0916\u0930\u093e\u092c \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u092c\u0948\u0902\u0915 \u0932\u094b\u0928 \u0926\u0947\u0928\u0947 \u0938\u0947 \u092c\u091a\u0924\u0947 \u0939\u0948\u0902\u0964 550 \u0938\u0947 650 \u0915\u0947 \u092c\u0940\u091a \u0938\u094d\u0915\u094b\u0930 average \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u094b high interest rate \u092a\u0930 \u0932\u094b\u0928 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 650 \u0938\u0947 750 \u0915\u0947 \u092c\u0940\u091a \u0939\u0948, \u0924\u094b \u092f\u0939 \u0905\u091a\u094d\u091b\u093e \u0939\u0948 \u0914\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0936\u0930\u094d\u0924\u094b\u0902 \u092a\u0930 \u0932\u094b\u0928 \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0935\u0939\u0940\u0902 750 \u0938\u0947 \u090a\u092a\u0930 \u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u094b \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u0930 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0932\u094b\u0928 \u092e\u093f\u0932 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f \u0906\u0926\u0930\u094d\u0936 \u0930\u0942\u092a \u0938\u0947 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 700 \u0938\u0947 \u090a\u092a\u0930 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%89_%E0%A4%96%E0%A4%B0%E0%A4%BE%E0%A4%AC_CIBIL_score_kaise_thik_kare\"><\/span>\ud83d\udcc9 \u0916\u0930\u093e\u092c CIBIL score kaise thik kare<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0916\u0930\u093e\u092c \u0939\u0948, \u0924\u094b \u0918\u092c\u0930\u093e\u0928\u0947 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0907\u0938\u0947 \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u0920\u0940\u0915 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f discipline \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964 \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0940 EMI \u0914\u0930 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0915\u0947 \u092c\u093f\u0932 \u0938\u092e\u092f \u092a\u0930 \u092d\u0930\u0928\u0947 \u0939\u094b\u0902\u0917\u0947\u0964 \u092f\u0939 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e factor \u0939\u0948 \u091c\u094b \u0906\u092a\u0915\u0947 \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0926\u0942\u0938\u0930\u0940 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093e\u0924 \u0939\u0948 \u0915\u093f \u0906\u092a \u0905\u092a\u0928\u0947 credit card \u0915\u093e \u0909\u092a\u092f\u094b\u0917 limit \u0915\u0947 \u0905\u0902\u0926\u0930 \u0915\u0930\u0947\u0902\u0964 \u0905\u0917\u0930 \u0906\u092a\u0915\u0940 limit \u20b91 \u0932\u093e\u0916 \u0939\u0948, \u0924\u094b \u0915\u094b\u0936\u093f\u0936 \u0915\u0930\u0947\u0902 \u0915\u093f \u20b930,000 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0916\u0930\u094d\u091a \u0928 \u0915\u0930\u0947\u0902\u0964 \u091c\u094d\u092f\u093e\u0926\u093e utilization \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0928\u0940\u091a\u0947 \u0932\u0947 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u092c\u093e\u0930-\u092c\u093e\u0930 \u0928\u090f loan \u092f\u093e credit card \u0915\u0947 \u0932\u093f\u090f apply \u0915\u0930\u0928\u093e \u092d\u0940 \u0917\u0932\u0924 \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0907\u0938\u0938\u0947 \u0906\u092a\u0915\u0947 profile \u092a\u0930 risk \u092c\u0922\u093c\u0924\u093e \u0939\u0948\u0964 \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0940 credit report \u092d\u0940 check \u0915\u0930\u0928\u0940 \u091a\u093e\u0939\u093f\u090f, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0915\u0908 \u092c\u093e\u0930 \u0917\u0932\u0924 entries \u092d\u0940 \u0938\u094d\u0915\u094b\u0930 \u0916\u0930\u093e\u092c \u0915\u0930 \u0926\u0947\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9A%A1_%E0%A4%A4%E0%A5%81%E0%A4%B0%E0%A4%82%E0%A4%A4_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%B8%E0%A5%81%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span>\u26a1 \u0924\u0941\u0930\u0902\u0924 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u094b \u091c\u0932\u094d\u0926\u0940 \u092e\u0947\u0902 \u0932\u094b\u0928 \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0906\u092a \u0938\u094b\u091a \u0930\u0939\u0947 \u0939\u0948\u0902 \u0915\u093f <strong>\u0924\u0941\u0930\u0902\u0924 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902<\/strong>, \u0924\u094b \u0915\u0941\u091b practical steps \u0906\u092a\u0915\u0940 \u092e\u0926\u0926 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u0905\u092a\u0928\u0947 \u0938\u092d\u0940 pending dues \u0924\u0941\u0930\u0902\u0924 clear \u0915\u0930\u0947\u0902, \u0915\u094d\u092f\u094b\u0902\u0915\u093f outstanding balance \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u0938\u092c\u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0928\u0941\u0915\u0938\u093e\u0928 \u092a\u0939\u0941\u0902\u091a\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0907\u0938\u0915\u0947 \u092c\u093e\u0926 \u0906\u092a \u0905\u092a\u0928\u0947 credit card \u0915\u0940 limit \u092c\u0922\u093c\u0935\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 utilization ratio \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u0938\u094d\u0915\u094b\u0930 improve \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u0938\u092e\u092f \u0928\u092f\u093e loan \u0932\u0947\u0928\u0947 \u0938\u0947 \u092c\u091a\u0947\u0902, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0907\u0938\u0938\u0947 score temporarily \u0917\u093f\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u093e score \u092c\u0939\u0941\u0924 low \u0939\u0948, \u0924\u094b \u0906\u092a secured credit card \u0932\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b FD \u0915\u0947 against \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0906\u092a\u0915\u0947 \u0938\u094d\u0915\u094b\u0930 \u0915\u094b \u091c\u0932\u094d\u0926\u0940 \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%A1_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%B8%E0%A5%81%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A5%87_Advanced_%E0%A4%A4%E0%A4%B0%E0%A5%80%E0%A4%95%E0%A5%87\"><\/span>\ud83d\udca1 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947 (Advanced \u0924\u0930\u0940\u0915\u0947)<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a long term \u092e\u0947\u0902 \u092e\u091c\u092c\u0942\u0924 financial profile \u092c\u0928\u093e\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a\u0915\u094b advanced strategies \u0905\u092a\u0928\u093e\u0928\u0940 \u0939\u094b\u0902\u0917\u0940\u0964 \u091c\u0948\u0938\u0947 \u0915\u093f secured credit card \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0928\u093e, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 positive history \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u0906\u092a\u0915\u094b credit mix \u092d\u0940 maintain \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f, \u092f\u093e\u0928\u0940 credit card \u0914\u0930 loan \u0926\u094b\u0928\u094b\u0902 \u0915\u093e balanced \u0909\u092a\u092f\u094b\u0917\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u0905\u092a\u0928\u0947 \u092a\u0941\u0930\u093e\u0928\u0947 accounts \u0915\u094b \u092c\u0902\u0926 \u0928 \u0915\u0930\u0947\u0902, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092a\u0941\u0930\u093e\u0928\u0940 credit history \u0906\u092a\u0915\u0947 \u0938\u094d\u0915\u094b\u0930 \u0915\u0947 \u0932\u093f\u090f \u092b\u093e\u092f\u0926\u0947\u092e\u0902\u0926 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%B0_paise_dekar_cibil_score_kaise_badhaye_%E2%80%93_%E0%A4%B8%E0%A4%9A%E0%A5%8D%E0%A4%9A%E0%A4%BE%E0%A4%88\"><\/span>\ud83d\udcb0 paise dekar cibil score kaise badhaye \u2013 \u0938\u091a\u094d\u091a\u093e\u0908<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u092c\u0939\u0941\u0924 \u0932\u094b\u0917 \u092a\u0942\u091b\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0915\u094d\u092f\u093e <strong>paise dekar cibil score kaise badhaye<\/strong> \u0938\u0902\u092d\u0935 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u0938\u0940\u0927\u093e \u091c\u0935\u093e\u092c \u0939\u0948 \u2014 \u0928\u0939\u0940\u0902\u0964 \u0915\u094b\u0908 \u092d\u0940 legal \u0924\u0930\u0940\u0915\u093e \u0928\u0939\u0940\u0902 \u0939\u0948 \u091c\u093f\u0938\u0938\u0947 \u0906\u092a \u0938\u0940\u0927\u0947 \u092a\u0948\u0938\u0947 \u0926\u0947\u0915\u0930 \u0905\u092a\u0928\u093e \u0938\u094d\u0915\u094b\u0930 \u092c\u0922\u093c\u093e \u0938\u0915\u0947\u0902\u0964<\/p>\n\n\n\n<p>\u092e\u093e\u0930\u094d\u0915\u0947\u091f \u092e\u0947\u0902 \u0915\u0908 fraud agents \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u0926\u093e\u0935\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0935\u0947 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0924\u0941\u0930\u0902\u0924 750 \u0915\u0930 \u0926\u0947\u0902\u0917\u0947, \u0932\u0947\u0915\u093f\u0928 \u092f\u0947 scams \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u0938\u0932\u0940 \u0924\u0930\u0940\u0915\u093e \u0938\u093f\u0930\u094d\u092b financial discipline \u0939\u0948 \u2014 \u0938\u092e\u092f \u092a\u0930 payment, \u0938\u0939\u0940 credit use \u0914\u0930 patience\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%B1_%E0%A4%AE%E0%A5%8B%E0%A4%AC%E0%A4%BE%E0%A4%87%E0%A4%B2_%E0%A4%B8%E0%A5%87_%E0%A4%B8%E0%A4%BF%E0%A4%B5%E0%A4%BF%E0%A4%B2_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span>\ud83d\udcf1 \u092e\u094b\u092c\u093e\u0907\u0932 \u0938\u0947 \u0938\u093f\u0935\u093f\u0932 \u0915\u0948\u0938\u0947 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u0906\u091c \u0915\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 <strong>\u092e\u094b\u092c\u093e\u0907\u0932 \u0938\u0947 \u0938\u093f\u0935\u093f\u0932 \u0915\u0948\u0938\u0947 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902,<\/strong> \u092f\u0939 \u092c\u0939\u0941\u0924 \u0906\u0938\u093e\u0928 \u0939\u094b \u0917\u092f\u093e \u0939\u0948\u0964 \u0906\u092a \u0905\u092a\u0928\u0947 \u092b\u094b\u0928 \u0938\u0947 \u0939\u0940 \u0915\u0941\u091b \u092e\u093f\u0928\u091f\u094b\u0902 \u092e\u0947\u0902 \u0905\u092a\u0928\u093e \u0938\u094d\u0915\u094b\u0930 \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b \u0915\u093f\u0938\u0940 trusted website \u092f\u093e app \u092a\u0930 \u091c\u093e\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u0905\u092a\u0928\u093e PAN number \u0921\u093e\u0932\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 OTP verify \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0907\u0938\u0915\u0947 \u092c\u093e\u0926 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0924\u0941\u0930\u0902\u0924 \u0926\u093f\u0916 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 safe \u0939\u094b\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0906\u092a \u0907\u0938\u0947 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 check \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%86%93_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%91%E0%A4%A8%E0%A4%B2%E0%A4%BE%E0%A4%87%E0%A4%A8_%E0%A4%AB%E0%A5%8D%E0%A4%B0%E0%A5%80\"><\/span>\ud83c\udd93 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u091a\u0947\u0915 \u0911\u0928\u0932\u093e\u0907\u0928 \u092b\u094d\u0930\u0940<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a \u0938\u094b\u091a \u0930\u0939\u0947 \u0939\u0948\u0902 \u0915\u093f <strong><a href=\"https:\/\/www.paisabazaar.com\/cibil-credit-report\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/www.paisabazaar.com\/cibil-credit-report\/\" rel=\"noreferrer noopener\">\u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u091a\u0947\u0915 \u0911\u0928\u0932\u093e\u0907\u0928 \u092b\u094d\u0930\u0940<\/a><\/strong> \u0915\u0948\u0938\u0947 \u0915\u0930\u0947\u0902, \u0924\u094b \u0915\u0908 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0906\u092a\u0915\u094b \u092f\u0939 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u091c\u0948\u0938\u0947 Paisabazaar, BankBazaar \u0914\u0930 OneScore \u091c\u0948\u0938\u0947 apps \u092a\u0930 \u0906\u092a free \u092e\u0947\u0902 \u0905\u092a\u0928\u093e score \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u092f\u0939 \u0927\u094d\u092f\u093e\u0928 \u0930\u0916\u0947\u0902 \u0915\u093f \u092c\u093e\u0930-\u092c\u093e\u0930 score check \u0915\u0930\u0928\u0947 \u0938\u0947 \u0906\u092a\u0915\u093e score \u0915\u092e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0939 soft enquiry \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%81_%E0%A4%B8%E0%A5%87%E0%A4%9F%E0%A4%B2%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%B8%E0%A5%81%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span>\ud83d\udd01 \u0938\u0947\u091f\u0932\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a\u0928\u0947 \u092a\u0939\u0932\u0947 \u0915\u093f\u0938\u0940 loan \u0915\u093e settlement \u0915\u093f\u092f\u093e \u0939\u0948, \u0924\u094b \u092f\u0939 \u0906\u092a\u0915\u0947 \u0938\u094d\u0915\u094b\u0930 \u0915\u094b negatively \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u092f\u0939 \u0928\u0939\u0940\u0902 \u0939\u0948 \u0915\u093f \u0906\u092a \u0938\u094d\u0915\u094b\u0930 \u0938\u0941\u0927\u093e\u0930 \u0928\u0939\u0940\u0902 \u0938\u0915\u0924\u0947\u0964<\/p>\n\n\n\n<p><strong>\u0938\u0947\u091f\u0932\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u0948\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0947\u0902,<\/strong> \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b future \u092e\u0947\u0902 \u0938\u092d\u0940 payments time \u092a\u0930 \u0915\u0930\u0928\u0947 \u0939\u094b\u0902\u0917\u0947\u0964 \u0938\u093e\u0925 \u0939\u0940, \u0905\u0917\u0930 possible \u0939\u094b \u0924\u094b settlement account \u0915\u094b \u201cclosed\u201d status \u092e\u0947\u0902 update \u0915\u0930\u0935\u093e\u090f\u0902\u0964 \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 positive activity \u0938\u0947 \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u092b\u093f\u0930 \u0938\u0947 \u092c\u0922\u093c\u0928\u0947 \u0932\u0917\u0947\u0917\u093e\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8A_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%B8%E0%A5%81%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%B8%E0%A4%B0%E0%A4%B2_%E0%A4%9A%E0%A4%BE%E0%A4%B0%E0%A5%8D%E0%A4%9F\"><\/span>\ud83d\udcca \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u093e \u0938\u0930\u0932 \u091a\u093e\u0930\u094d\u091f<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Behavior<\/th><th>\u0905\u0938\u0930<\/th><\/tr><\/thead><tbody><tr><td>EMI time \u092a\u0930 \u092d\u0930\u0928\u093e<\/td><td>Score \u092c\u0922\u093c\u0924\u093e \u0939\u0948<\/td><\/tr><tr><td>Late payment<\/td><td>Score \u0917\u093f\u0930\u0924\u093e \u0939\u0948<\/td><\/tr><tr><td>Low credit usage<\/td><td>Positive<\/td><\/tr><tr><td>High usage<\/td><td>Negative<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%A7%A0_%E0%A4%8F%E0%A4%95_%E0%A4%86%E0%A4%B8%E0%A4%BE%E0%A4%A8_%E0%A4%89%E0%A4%A6%E0%A4%BE%E0%A4%B9%E0%A4%B0%E0%A4%A3\"><\/span>\ud83e\udde0 \u090f\u0915 \u0906\u0938\u093e\u0928 \u0909\u0926\u093e\u0939\u0930\u0923<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f \u0906\u092a\u0915\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 580 \u0939\u0948\u0964 \u0905\u0917\u0930 \u0906\u092a \u0905\u0917\u0932\u0947 3 \u092e\u0939\u0940\u0928\u094b\u0902 \u0924\u0915 \u0938\u092d\u0940 EMI \u0938\u092e\u092f \u092a\u0930 \u092d\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 credit usage \u0915\u092e \u0930\u0916\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 650 \u092f\u093e \u0909\u0938\u0938\u0947 \u090a\u092a\u0930 \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u092f\u0939\u0940 consistency \u0906\u0917\u0947 \u091a\u0932\u0915\u0930 \u0907\u0938\u0947 700+ \u0924\u0915 \u092a\u0939\u0941\u0902\u091a\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A0_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%AA%E0%A4%B0_%E0%A4%B8%E0%A4%BF%E0%A4%AC%E0%A4%BF%E0%A4%B2_%E0%A4%B8%E0%A5%8D%E0%A4%95%E0%A5%8B%E0%A4%B0_%E0%A4%95%E0%A4%BE_%E0%A4%85%E0%A4%B8%E0%A4%B0\"><\/span>\ud83c\udfe0 \u0932\u094b\u0928 \u092a\u0930 \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u093e \u0905\u0938\u0930<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u0906\u092a\u0915\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0938\u0940\u0927\u0947 \u0906\u092a\u0915\u0947 loan approval \u0914\u0930 interest rate \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0905\u0917\u0930 \u0906\u092a\u0915\u093e score \u0915\u092e \u0939\u0948, \u0924\u094b \u092f\u093e \u0924\u094b loan reject \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948 \u092f\u093e \u0906\u092a\u0915\u094b \u091c\u094d\u092f\u093e\u0926\u093e \u092c\u094d\u092f\u093e\u091c \u0926\u0947\u0928\u093e \u092a\u0921\u093c\u0947\u0917\u093e\u0964<\/p>\n\n\n\n<p>\u0932\u0947\u0915\u093f\u0928 \u0905\u0917\u0930 \u0906\u092a\u0915\u093e score 750+ \u0939\u0948, \u0924\u094b \u0906\u092a\u0915\u094b \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 loan \u092e\u093f\u0932 \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u0915\u092e EMI \u092a\u0930 \u092d\u0940 deal \u092e\u093f\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%8D_Common_Mistakes_%E0%A4%9C%E0%A5%8B_%E0%A4%86%E0%A4%AA%E0%A4%95%E0%A5%8B_avoid_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%80_%E0%A4%9A%E0%A4%BE%E0%A4%B9%E0%A4%BF%E0%A4%8F\"><\/span>\ud83d\udd0d Common Mistakes \u091c\u094b \u0906\u092a\u0915\u094b avoid \u0915\u0930\u0928\u0940 \u091a\u093e\u0939\u093f\u090f<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u092c\u0939\u0941\u0924 \u0938\u0947 \u0932\u094b\u0917 \u0905\u0928\u091c\u093e\u0928\u0947 \u092e\u0947\u0902 \u0910\u0938\u0940 \u0917\u0932\u0924\u093f\u092f\u093e\u0901 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u0915\u093e score \u0917\u093f\u0930 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u091c\u0948\u0938\u0947 EMI miss \u0915\u0930\u0928\u093e, credit card overdue \u0930\u0916\u0928\u093e, \u092c\u093e\u0930-\u092c\u093e\u0930 loan apply \u0915\u0930\u0928\u093e \u0914\u0930 fraud agents \u092a\u0930 \u092d\u0930\u094b\u0938\u093e \u0915\u0930\u0928\u093e\u0964 \u0907\u0928 \u0917\u0932\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u092c\u091a\u0928\u093e \u0939\u0940 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e improvement step \u0939\u0948\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%9A%80_Final_Action_Plan\"><\/span>\ud83d\ude80 Final Action Plan<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a \u0938\u091a \u092e\u0947\u0902 \u0905\u092a\u0928\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0938\u0941\u0927\u093e\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a\u0915\u094b disciplined approach \u0905\u092a\u0928\u093e\u0928\u0940 \u0939\u094b\u0917\u0940\u0964 \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u0905\u092a\u0928\u093e score check \u0915\u0930\u0947\u0902, \u092b\u093f\u0930 \u0938\u092d\u0940 dues clear \u0915\u0930\u0947\u0902 \u0914\u0930 credit usage control \u0915\u0930\u0947\u0902\u0964<\/p>\n\n\n\n<p>\u0905\u0917\u0932\u0947 30 \u0926\u093f\u0928\u094b\u0902 \u092e\u0947\u0902 \u0905\u0917\u0930 \u0906\u092a consistently \u0938\u0939\u0940 financial habits \u0905\u092a\u0928\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a\u0915\u094b improvement \u0926\u093f\u0916\u0928\u093e \u0936\u0941\u0930\u0942 \u0939\u094b \u091c\u093e\u090f\u0917\u093e\u0964<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%A7%BE_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%B7\"><\/span>\ud83e\uddfe \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p><strong>\u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0906\u092a\u0915\u093e financial future \u0924\u092f \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/strong> \u0907\u0938\u0947 \u0938\u0941\u0927\u093e\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u0938\u0940 shortcut \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u0948, \u092c\u0932\u094d\u0915\u093f \u0938\u0939\u0940 habits \u0914\u0930 patience \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0905\u0917\u0930 \u0906\u092a \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0905\u092a\u0928\u0940 financial discipline \u092c\u0928\u093e\u090f \u0930\u0916\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a\u0915\u093e \u0938\u094d\u0915\u094b\u0930 \u0905\u092a\u0928\u0947 \u0906\u092a \u092c\u0947\u0939\u0924\u0930 \u0939\u094b \u091c\u093e\u090f\u0917\u093e \u0914\u0930 \u0906\u092a \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u0930 \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928, \u092c\u093f\u095b\u0928\u0947\u0938 \u0932\u094b\u0928 \u092f\u093e <strong><a href=\"https:\/\/famenest.com\/blog\/sabse-sasta-home-loan-kiska-hai\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/famenest.com\/blog\/sabse-sasta-home-loan-kiska-hai\/\" rel=\"noreferrer noopener\">\u0938\u092c\u0938\u0947 \u0938\u0938\u094d\u0924\u093e \u0939\u094b\u092e \u0932\u094b\u0928<\/a><\/strong> \u0932\u0947 \u092a\u093e\u090f\u0902\u0917\u0947\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9D%93_FAQ\"><\/span>\u2753 FAQ<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Q1. \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u0915\u093f\u0924\u0928\u093e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f?<\/strong><br>\u0915\u092e \u0938\u0947 \u0915\u092e 700 \u0914\u0930 ideal 750+ \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n\n\n\n<p><strong>Q2. \u0915\u094d\u092f\u093e \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u091c\u0932\u094d\u0926\u0940 \u0938\u0941\u0927\u0930 \u0938\u0915\u0924\u093e \u0939\u0948?<\/strong><br>\u0939\u093e\u0901, \u0905\u0917\u0930 \u0906\u092a \u0938\u0939\u0940 steps follow \u0915\u0930\u0947\u0902 \u0924\u094b 30\u201390 \u0926\u093f\u0928\u094b\u0902 \u092e\u0947\u0902 improvement \u0926\u093f\u0916 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>Q3. \u0915\u094d\u092f\u093e paise dekar cibil score badhaya ja sakta hai?<\/strong><br>\u0928\u0939\u0940\u0902, \u092f\u0939 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 myth \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>Q4. \u0938\u093f\u092c\u093f\u0932 \u0938\u094d\u0915\u094b\u0930 \u091a\u0947\u0915 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0938\u094d\u0915\u094b\u0930 \u0915\u092e \u0939\u094b\u0924\u093e \u0939\u0948?<\/strong><br>\u0928\u0939\u0940\u0902, free check \u0915\u0930\u0928\u0947 \u0938\u0947 \u0915\u094b\u0908 \u0905\u0938\u0930 \u0928\u0939\u0940\u0902 \u092a\u0921\u093c\u0924\u093e\u0964<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0906\u091c \u0915\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 \u0905\u0917\u0930 \u0906\u092a \u0939\u094b\u092e \u0932\u094b\u0928, \u092a\u0930\u094d\u0938\u0928\u0932 \u0932\u094b\u0928 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0915\u093e\u0930\u094d\u0921 \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u091c\u094b [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":245,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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