Credit Score Secrets: How to Reach 900 CIBIL Score

What is Credit Score?

Credit score (CIBIL) ranges from 300-900. Score above 750 is considered good, above 800 is excellent.

Factors Affecting Score

• Payment History (35%): Pay all bills on time
• Credit Utilization (30%): Use less than 30% of limit
• Credit Age (15%): Longer history helps
• Credit Mix (10%): Mix of secured/unsecured loans
• New Inquiries (10%): Avoid multiple applications