CIBIL Score
The CIBIL Score is a three-digit numeric summary of your credit history, ranging from 300 to 900, issued by TransUnion CIBIL. It reflects your creditworthiness and plays a critical role in determining your eligibility for credit cards, loans, and other financial services.
Why Is Your CIBIL Score Important?
Your CIBIL score is a vital parameter used by banks and financial institutions to evaluate credit applications. A higher score improves your chances of:
– Quick loan approvals
– Lower interest rates
– Higher credit limits
– Better loan offers
– Strengthening your financial credibility
CIBIL Score
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CIBIL Score Range and Interpretation
| Score Range | Rating | Risk Level |
|---|---|---|
| 750 – 900 | Excellent | Low Risk of default |
| 700 – 749 | Good | Fairly Low Risk |
| 650 – 699 | Fair | Moderate Risk |
| 550 – 649 | Poor | High Risk |
| 300 – 549 | Very Poor | Very High Risk of default |
Note:
A score above 750 significantly improves your chances of loan approval at better interest rates.
Scores below 650 may lead to rejection or higher interest rates due to the associated risk.
How to Improve or Correct Your CIBIL Score
If your CIBIL score is low or contains errors, follow these steps to correct and improve it gradually:
Pay Dues on Time
Ensure timely payment of all credit card bills and loan EMIs. Consistent repayment history significantly boosts your score.Maintain Low Credit Utilization
Try to use less than 30% of your total credit limit. High usage can indicate financial stress and negatively affect your score.Avoid Multiple Loan Inquiries
Applying for several loans or credit cards in a short span can lower your score. Limit inquiries to when absolutely necessary.Keep Old Accounts Open
Long-standing credit accounts contribute to a strong credit history. Avoid closing your oldest accounts unless required.Check for Errors in Your Report
Regularly review your CIBIL report. If you spot any inaccuracies, raise a dispute through the CIBIL Dispute Resolution portal.Diversify Your Credit Profile
Maintain a healthy mix of credit types — such as personal loans (unsecured) and home/car loans (secured) — to show responsible credit management.
How to Check Your CIBIL Score Online
You can easily check your CIBIL score in just a few steps:
Visit the Official CIBIL Website
Go to www.cibil.com and click on ‘Get Your CIBIL Score’.Enter Basic Personal Details
Provide your name, date of birth, email ID, and mobile number.Verify Your Identity
Enter the OTP sent to your registered mobile number for verification.Provide PAN Card Details
Enter your PAN card number—CIBIL uses this as a unique identifier.View Your CIBIL Score Instantly
Once verified, your CIBIL score and credit report will be displayed on the screen.
💼 Take Control of Your Financial Health
Your credit score can be the key to unlocking better loan offers, lower interest rates, and greater financial opportunities. Don’t let errors or missed payments hold you back.
✅ Make informed decisions
✅ Correct inaccuracies
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Know where you stand and take the first step toward a healthier financial future.
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Expert Help to Improve Your CIBIL Score
At Accura Tax Solutions, we do more than just fix credit reports — we empower you to take control of your financial future with confidence.
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🔍 In-Depth Credit Analysis
We identify exactly what’s affecting your score and create a custom action plan.🛠️ End-to-End Support
From resolving errors to guiding repayments, we handle everything — so you don’t have to.💼 Trusted Financial Experts
Our team includes experienced professionals with deep knowledge of credit systems, banking norms, and CIBIL processes.📊 Transparent & Trackable Progress
Stay updated at every step. We believe in full transparency and measurable results.⏱️ Fast, Reliable Service
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