As a chartered accountant yourself, you must be fully aware of the importance of your CIBIL score in a loan application. A CIBIL score is like your report card that lenders evaluate to visit your credit history and understand your financial stability. As a professional chartered accountant, if you find your CIBIL score to be way below the mark, these seven effective tips will help you raise your CIBIL score:
1. Repay Outstanding Debts
Improving and maintaining a healthy CIBIL score becomes fairly easy if one is careful about simple things like paying loan EMIs or credit card bills on time. Sometimes, people tend to pay just the minimum amount due without realising that the interest adds up in the next billing cycle. This will unnecessarily result in a larger volume of debt making repayments difficult and a failing credit score.
2. Avoid Full Credit Utilisation
Restrict your credit usage within the available limit. Using more than 30% of your credit amount will be seen as ‘high credit utilisation’, which will imply poor creditworthiness. For example, if you have a credit limit of Rs 1 lakh, you should try to use just 30% of this sum, i.e., Rs. 30,000 each month. In case, you require a higher credit limit, you may contact your lender for a suitable amount as per your expected expenditures. This way, you can enhance your CIBIL score.
Also Read: What Is Credit Utilization Ratio and How Can You Improve It?
3. Steer Clear of Multiple Debts
Availing multiple credit lines or credit cards, depending on one’s requirement, may seem like a convenient option, especially in case of an emergency. However, indiscriminate use of cards will burden you with further debt garnering a bad CIBIL score. If you have multiple cards, use them judiciously and clear the bills in full before the due time. Securing excess loans from different lenders might affect your score. Therefore, try to close existing loans before you apply for new ones.
4. Vary Your Credit Options
Choose different types of credit to incorporate a mix of long-term and short-term loans, as well as secured and unsecured loans to boost your credit profile. Having no credit history may not serve you well either, since it indicates a lack of experience in handling loans.
5. Maintain Old Debt Records
Individuals should retain records of past debts and active older credit accounts that denote a sound repayment history. Doing so will showcase sensible credit behaviour, thereby raising your credit score.
6. Limit Hard Inquiries
Every time you apply for a Home Loan or other types of loan, lenders need to examine your CIBIL score and credit history. For this, they access your CIBIL report through the credit bureaus, commonly known as a ‘hard inquiry’. Too many loan applications will mean numerous hard inquiries which may lead to a drop in your CIBIL score.
7. Be Wary of Being a Co-Applicant
Applying for a loan as a co-applicant might sound relatively simple, but remember, a delay or default in repayments from the main applicant’s side can severely upset your CIBIL score.
Also Read: Know What CIBIL Score Is Considered Good for a Home Loan
Why is CIBIL Score Important for Chartered Accountants?
The importance of CIBIL scores for Chartered Accountants proves beneficial in the following aspects of a loan:
- Creditworthiness – Your CIBIL score reflects your ability to manage your finances and effect timely settlement of loans. It allows lenders to decide what type of loan they should offer. If you have a good score, you are more likely to be approved for a loan. Whereas, with a low CIBIL score, you may have to endure loan rejections.
- Interest rate – A good CIBIL score raises the credit quality by lowering the loan interest rates. Conversely, a lesser score may fetch you higher rates of interest rendering your loan expensive.
- Loan amount – Your CIBIL score is extremely important because it determines how much money you are eligible to borrow. If you have a favourable score, lenders will gladly extend a bigger loan amount.
- Flexible loan tenor – Borrowers can opt for a longer tenor if lenders are satisfied with their credit score. Thus, they can pay the loan EMIs comfortably.
Also Read: Know How Mortgage Loan Affect Your Cibil Score
Final Words
CIBIL scores are of vital importance when one seeks a loan. Chartered accountants must know how to increase their CIBIL score and further, maintain that score within the optimal range. In this respect, they can check their CIBIL scores on the official website of the four credit bureaus for free once a year. They could also visit credible third party websites to monitor their credit report and CIBIL scores periodically.
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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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cibil Cibil
[N][T][T][N][T]
Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
[N][T][T][N][T]
What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
[N][T][T][N][T]
Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
[N][T][T][N][T]
Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
[N][T][T][N][T]
What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?