Credit Score बेहतर बनाने के आसान तरीके

1. बिल और EMI को समय पर भरें

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2.Credit Card का सही इस्तेमाल करें मतलब, अगर आपके क्रेडिट कार्ड की लिमिट ₹1,00,000 है, तो ₹30,000 से कम खर्च करें

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3. पुराने क्रेडिट कार्ड को बंद न करें

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4. क्रेडिट रिपोर्ट की नियमित जांच करें हर 6 महीने में अपनी क्रेडिट रिपोर्ट की जांच करना जरूरी है।

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5. नए क्रेडिट कार्ड या लोन के लिए बार-बार आवेदन न करें

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6. विविध प्रकार के क्रेडिट का उपयोग करें अगर आपके पास केवल क्रेडिट कार्ड है, तो एक छोटा पर्सनल लोन लेकर अपनी क्रेडिट मिक्स (Credit Mix) को बेहतर बना सकते हैं।

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7. ऋण(लोन) चुकाने की योजना बनाएं अगर आपके पास पहले से कोई लोन है, तो उसे जल्द से जल्द चुकाने की कोशिश करें।

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