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If your CIBIL score is around 600, you may face challenges getting approved for loans or credit cards. Lenders generally consider 750 and above as a good CIBIL score, as it indicates that you are responsible with loans and credit in general.
The good news? With the right steps, you can increase your CIBIL score from 600 to 750 over time. Read on to get actionable strategies, practical examples, and a clear path to achieving a healthier credit score.
Here are the steps to increase your CIBIL Score from 600 to 750
1. Never miss your EMIs and credit card bill
Your repayment history makes up the largest share of your CIBIL score, i.e around 35%.
Action: Enable auto-payments using standing instructions or reminders for bill payments.
Why it matters: Even a single missed EMI or late payment can reduce your CIBIL score. On the other hand, six months of timely payments can steadily rebuild it.
2. Keep Credit Utilization Ratio low
Overspending using credit cards suggests a high dependency on credit.
Action: If your credit card limit is ₹1,00,000, try to keep your usage below 30% of this limit. This includes any amount used for EMI purchases.
Pro tip: Accept a credit limit upgrade, if eligible, but avoid increasing your spending.
3. Avoid Multiple Loan or Credit Card Applications in a short time
Each new loan or credit card application triggers a hard inquiry by the lender which can lower your CIBIL score slightly.
Action: Compare loan and credit card offers before applying.
4. Maintain a Healthy Credit Mix
Having a healthy balance of secured loans (like home or car loans) and unsecured loans (like personal loans and credit cards) can help in building a strong credit profile.
Example: A mix of a home loan and credit card can look more balanced than having only multiple credit cards.
5. Check Your CIBIL Report for Errors
Errors in your CIBIL report such as incorrect outstanding balances or old settled loans can negatively affect your score.
Action: Review your report regularly on the TransUnion CIBIL website or any other trustworthy credit score apps or websites. If you spot any errors, raise a dispute immediately.
6. Consider a Secured Credit Card
Impact: If your score is around 600, you may not qualify for premium or high credit limit cards. A secured credit card, issued against a fixed deposit, is easier to get approved for.
Why it helps: Using it responsibly and paying bills on time can help you improve your CIBIL score.
7. Reduce Existing Debt Strategically
Impact: High outstanding balances increase your credit utilization and drag your score down.
Action: Start by paying off smaller loans or high-interest credit card balances first. Even partial repayments on time help.
Pro tip: If you have debt across multiple cards or loans, you can consolidate them into a single personal loan with lower interest (such as FIRSTmoney Personal Loan). This simplifies repayments and improves credit discipline.
With IDFC FIRST Bank’s FIRSTmoney Personal Loan:
- Interest rates start at 9.99% p.a.
- Zero foreclosure charges – repay early at no extra cost
- 100% digital process – apply in minutes and track everything online
8. Don’t Close Old Credit Cards
Impact: The length of your credit history is another factor in your CIBIL score. Older loan and credit cards add to your credibility.
Action: Even if you no longer use an old credit card frequently, keep it active by making a small transaction every few months. However, this is advisable only if you are not incurring hefty annual fees for it.
Take control of your CIBIL score today
A score of 600 doesn’t have to limit your financial opportunities. With consistent efforts and responsible credit use, you can reach the 750+ milestone and unlock better loan and credit card options.
Frequently Asked Questions
You can gradual improvement within 6–12 months if you follow disciplined credit practices.
A drastic jump in 30 days is unlikely, but clearing outstanding dues or correcting report errors can help you see early improvements.
600 is considered below average CIBIL score. It may lead to loan rejections or higher interest rates compared to someone with a higher credit score.
Yes. A personal loan, when repaid on time, builds a positive repayment history that contributes to a better CIBIL score.
No. Checking your CIBIL score is a soft inquiry, which has no impact on it. Only lender enquiries for new loans can affect your CIBIL score.
A score of 750+ is generally considered good for getting personal loans on better terms. With IDFC FIRST Bank, you can get a personal loan with a CIBIL score of 730 and above.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.