How can we increase own civil?

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Just pay your existing dues and also if you have any kind of active loan, try to complete them asap. The cibil only affects when you have late payments and more 70% utilization of your credit card.

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I Think you are concerned about Credit Information Bureau (India) Limited, commonly known as CIBIL. So I am answering your question with below some tips to improve your CIBIL score.

1. Clearing off all your credit card outstanding dues

2. An individual must make sure that any errors in your credit report are appealed by the individual on the CIBIL website (www.cibil.com). Appeal only if you have a valid point of disagreement.

3 Paying equated monthly instalments of your past bigger loans on time will help in improving your track record to pay bigger amounts and thereby getting a higher CIBIL score/rating.

4. Never ever use your credit card to buy each and everything. You have to keep the 30% rule in mind of credit utilization. Never exceed more than 30% of credit utilization

5. Avoid multiple loan/ credit card applications in a short span of time

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