Seeing a 600 CIBIL score on your credit report can quietly break your confidence. Suddenly, loan rejections start making sense. Credit cards feel out of reach. Even simple things like EMI options become difficult.
But here is the truth: most people do not tell you that a low CIBIL score is not the end of your financial journey. You always have a question in your mind how to increase cibil score from 600 to 750. And yes, it is totally possible to go 600 to 750, and it might be overwhelming at this point.
When you have a low CIBIL score, it does not mean that you are irresponsible or even careless. Many individuals turn out to be victims of medical emergencies, job gaps, missed payments, and poor financial advice.
It is now up to you what you do next. There is no shortcut to raising your CIBIL score. It is patience, discipline, and micro decisions that build trust gradually day by day.
This article will help you to know how to increase cibil score from 600 to 750. This step-by-step process guide you to increase your CIBIL score from 600 to 750.
Table of Contents
1. Check Your CIBIL Report Without Fear
Many people avoid checking their credit report because they fear bad news. But avoiding it only delays improvement.
Download your CIBIL report and:
- Check for wrong entries
- Look for missed payments
- Identify active loans and cards
At times, the only thing that can lower your score is mistakes. It could be fixed and obtain an immediate boost. The first step to control is through awareness.
2. Always Pay Every EMI on Time
This is the most powerful habit you can build.
Even one delayed EMI can hurt your score badly. On-time payments slowly rebuild trust with lenders.
Set:
- Auto-debit instructions
- Calendar reminders
- Payment alerts
When you pay on time consistently, your score starts healing quietly in the background.
3. Clear Small Dues First
If you have multiple dues, start with the smallest ones.
Clearing pending amounts gives:
- Mental relief
- Lower credit stress
- Immediate positive signals on your report
Do not wait for a big bonus or perfect timing. Start small. Progress creates motivation.
4. Stop Using Full Credit Limit
Using 90–100% of your credit card limit sends a red flag.
Try to keep credit usage below 30% of your total limit.
For example:
- Credit limit: ₹50,000
- Safe usage: ₹15,000 or less
This one change alone can slowly push your CIBIL score upward.
5. Do Not Close Old Credit Cards in Anger
Many people close old cards, thinking it will improve their score. It often does the opposite.
Old cards show:
- Long credit history
- Stable repayment behaviour
If the card has no annual fee, keep it open and use it lightly—your past good behaviour matters.
6. Avoid Applying for Too Many Loans Together
Every loan or card application creates a hard enquiry.
Too many enquiries make lenders nervous. It signals desperation.
If you were rejected once:
- Pause
- Improve your profile
- Apply again after a few months
Patience protects your score.
7. Convert Outstanding Dues into EMIs
If your credit card bill feels heavy, do not ignore it.
Convert the amount into EMIs. This:
- Reduces pressure
- Prevents missed payments
- Shows responsible behaviour
Handling debt calmly is better than running away from it.
8. Add One Secured Loan If Needed
If lenders reject you due to a low score, a secured credit option can help.
Options include:
- FD-backed credit card
- Small secured loan
Paying these EMIs on time slowly rebuilds trust. Think of it as restarting your credit story.
9. Never Ignore Calls or Messages from Lenders
Ignoring calls does not make the problem disappear.
Talk to lenders. Explain your situation. Many banks offer:
- Payment extensions
- Restructuring options
- EMI adjustments
Honesty and communication protect your credit reputation.
10. Track Your Progress Every Month
CIBIL improvement is slow but real.
Check your score every 30–45 days. Celebrate small increases — even 10–20 points matter.
Progress builds confidence. Confidence builds consistency.
11. Be Kind to Yourself During the Process
This is the most important step which help how to increase cibil score from 600 to 750 .
Improving a CIBIL score is not just a financial journey. It is emotional. There will be frustration, doubt, and moments of impatience.
But remember:
- You are learning
- You are improving
- You are rebuilding
And that itself is powerful.
How Long Does It Take to Reach 750?
With disciplined effort:
- Small improvement: 2–3 months
- Strong recovery: 6–12 months
There is no magic switch. But every on-time payment brings you closer.
Summary
A 600 CIBIL score does not mean how you will live in the future. You need not to bother more about how to increase cibil score from 600 to 750.
The choice of fixing it is what makes you.
Stay consistent. Stay patient. Trust the process. The next day, you will look at your score and will smile, not because it is perfect, just because you received it.
Your financial recovery college life has already begun.
