Score Below 650? Raise It 150 Points in 6 Months

If your credit score is stuck around 600, you are paying more interest on every loan. Simple habits like paying EMIs on time, keeping card usage low, and checking your report can push you to 750 — unlocking better loan deals.

Here's what happened: A credit score below 650 typically means lenders charge 2–4% higher interest rates, costing thousands extra per year on loans.. Most Indian borrowers with scores between 600–650 are unaware that credit utilisation above 30% is a major score killer.. RBI-mandated credit bureaus like CIBIL, Experian, and CRIF update scores monthly — meaning consistent good habits show results within 3–6 months..

What you should do: Check your free credit report today on CIBIL, Experian, or Paisabazaar — look for errors or unknown accounts dragging your score down.. Pay every EMI and credit card bill before the due date; even one missed payment can drop your score by 50–100 points instantly.. Keep your credit card spending below 30% of your total limit — if your limit is ₹1 lakh, spend no more than ₹30,000 per cycle..

Raising your credit limit (without spending more) immediately lowers your utilisation ratio — call your bank and request a limit increase every 12 months to passively boost your score.