How to Build Your CIBIL Score Above 800: Tips and Strategies 🔥🔥🔥

Your CIBIL score is a critical factor that determines your creditworthiness and ability to obtain loans or credit cards. A high CIBIL score not only helps you access better credit products but also gives you negotiating power with lenders.
In this video, we'll discuss tips and strategies that can help you build your CIBIL score above 800. We'll cover everything from understanding what factors impact your score to practical steps you can take to improve it.
We'll start by discussing the importance of paying your bills on time and maintaining a low credit utilization ratio. We'll also explain how opening new credit accounts can help you diversify your credit portfolio and improve your score.
We'll dive deeper into the factors that affect your CIBIL score, such as credit mix, credit inquiries, and credit age. We'll explain why having a mix of different credit products is important and how too many credit inquiries can hurt your score.
Additionally, we'll provide tips on how to monitor your CIBIL score and address any errors or discrepancies that may appear on your credit report. We'll also discuss the importance of being consistent with your credit behavior and avoiding certain mistakes that could hurt your score.
By the end of this video, you'll have a better understanding of how to build your CIBIL score above 800 and have the tools to start taking action. We hope you find this video helpful and informative, and we wish you success in your journey towards financial freedom.
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जय हिन्द, वन्दे मातरम
Jai Hind, Vande Mataram

[@amrit0501]

Video starts from 3.05

[@nishanttyagi3]

Thanks

[@Naveen_..]

Thanks man

[@kakashisenpai99]

Let me fix your comment 3:05

[@sushildhoke8333]

Thnx

[@vipulparmar8113]

Thanks

[@arche6188]

Mine was 800+ when I had only 1 credit card only. My utilisation was always constant or lesser. People should take only those many credit cards which they can peacefully manage. Not necessary to take too many just to increase CIBIL score. Mix of credit types and count of credit cards anyhow has low impact on the credit score. Biggest influence is timely payments and percentage of credit utilisation. Rest of the things can be ignored if not possible to do.

[@iSaurabhSri]

Correct, 2-4 cards are enough for commoners like us, some people are on mission to make garland out of credit cards they own.

[@HKB108]

One of my friend has 830+ CIBIL, without any Cards, he just took a loan of 30K from Indusind Bank, cleared it before time, his CIBIL generated for the first time!!

[@PirateVerse]

1. Emi , bill payment on time. 2. 5 to 10 credit accounts are better. 3. Secured loan like home loan, vehicle loan etc..not personal loan. 4. Hard enquiries short term loan. 5. If you have many enquiries. Then less impact of hard enquiries 6. Check cibil report and immediately report to bank. 7. Patience 5-6 years time for 800 score. 8.

[@gk00301094]

I pad back 50% of my home loan. My cibil went from 750 to 833

[@asifmiles8083]

It's not CIBIL then

[@gk00301094]

@@asifmiles8083 I took car loan on 31st march they said my cibil is 833. Reason prepayment of home loan

[@dhruvkumar6139]

​@@asifmiles8083 achha 😴

[@AgriAreEasy]

बिग फैन भाई जी बहुत कुछ सीखा है आपसे इस हिसाब से आप शिक्षक हो इस बैंकिंग सेक्टर में ❤❤❤❤❤❤❤

[@vikashsaw7888]

Currently I have 777 score in 4 years of credit history with 14 credit cards and 7 other loans including secured and unsecured loans and still waiting for 800+ score 😅

[@imashwinikr]

The credit utilisation calculation, it is based on individual credit card limit or cumulative credit limits of all cards?

[@tanu6011]

total utilized of all cards/total available limit of all cards. You can max out on one card if you have multiple cards, beware of hdfc they don't report credit limit to cibil.

[@Dajjal0002]

I think, Cumulative

[@rajdeepsharma8249]

All credit limit 10L Use 3 lakh full limit any card Credit utilization 30% no problem Only 1 card use limit 50% Credit utilization 50%

[@tadukavamshikrishna3135]

I have one doubt on credit utilisation ratio. Requesting to please clarify my doubt:- Credit utilisation ratio is calculated on all credit cards limit or every single card utilisation should be less than 30%. For example a person has 3 credit cards with a credit limit of (8L, 5L, 20k respectively) and a total of 13lakhs 20 thousand.... So he needs to maintain 30%utilization on each of the cards including 20K card as well (or) He can use all the 20K and rest other cards only 25% or 20% is used then total comes to be lesst than 30% right .... Which is correct ..pls let me know. Thanks.

[@TradingInsights05]

Come on somebody reply on this I also want to know about 30% criteria

[@deb444ful]

30℅ of total credit limit across all cards...

[@TradingInsights05]

@@deb444ful thank u

[@DeepakKumar-fq5hj]

30 % of total credit limit of all cc

[@Raviarun]

Yes I have seen in cibil report too. Utilisation is based on total credit limit.

[@sushbhai-rl7cs]

sir mera credit score 780 tak jata hai, mai sabkuch timely pay krta hu but again 770 pe aa jata h, fir 2 months bad 780 ho jata hai fir wapis 770. 780 cross kyu nhi kr rha ye

[@shripadwal3839]

Get a good credit mix of secured and unsecured credit. Like credit cards+ home loan/car loan. And have patience, score will go 780+

[@Riftking3rd]

Video starts 3:05

[@ankurio]

NDXP personal loan shows in my CIBIL. How to remove or whom to contact for NDXP?

[@adoxyrider7611]

@ankurio mere isme bhi par remove ho gya

[@debasisprasad]

Card closer without settlement se cibil pr koi effects prta hai kya.?

[@KammaRaghuram]

I got 2 loan inquiries with in 2 months with out my knowledge hence purchased cibil subscription nd disputed they closed it saying resolved I disputed again nd they closed again no use. 😢

[@TechnoFino]

Contact the bank, not cibil

[@IamAvijitDey]

My CIBIL credit score is 791 when my credit score generated 2018 February CIBIL score 790🤗🤗🤗

[@imran1994]

My cibil credit score is 760 and i am using one card from 7 months only 😒

[@saptak_roy]

How u get 6 axis card

[@SunilSoni-sn1ed]

Credit card utilization 50% se uper kar do or cibil me fark na pade to kesa rahe me 90% use karta hu credit card ko fir bhi cibil me 10-14% hi show hota he

[@yz8449]

Kaun kaun chahta hai sir apna full credit report show kre .. kitna credit card or kitna enquiry hai.. or loan amount in sir ke CIBIL report me..

[@selfmade9643]

776 100% on time payment

[@Manoj_Meena]

5 year jaruri nhi mera 9 months main 801 ho gya tha us time mere pas sirf fd card tha icici ka and 1 paylater tha. Abhi mera cibil 789 h 16 credit card and 3 paylater account h. December se ab tak 21 enquiry h.

[@ashish-india635]

आपके अनुसार अधिक लोन अकाउंट नही होना चाहिए।

[@Manoj_Meena]

@@ashish-india635 utilisation bhi accha rakho

[@ashish-india635]

@@Manoj_Meena mera utilisation 2-4 persent hai

[@surajastro]

@TechnoFino Aap Bajaj Finserv World prime super card per video banaye na? Wo card lena chahiye ya nahi muze Ek bhi honest review wala video nahi mila KZbin per abhi tak. 🙏🙏🙏🙏🙏

[@chiragpatel9699]

2 years me 777 he Mera CIBIL score he...

[@Krishna-borewell-Chaibasa]

How many upi transactions free in axis Bank?

[@abhilashpastay]

Hi i have 18 credit card account if any want to improve ur credit score pls don't apply HDFC BANK CREDIT CARDS because they are not updating properly of your credit card limit to CIBIL company

[@akashtopder7251]

HDFC never reports credit limit to CIBIL

[@nakulg]

Agree. I do have a good limit on hdfc but my CIBIL dosent reflect that amount in total limit and hence has a drastic impact on the final score

[@bablusharma9263]

Unsecured loan nhi lena but you have 45 account active konsa loan Mila h jo 45 account h

[@MikeyGenZ]

Bhai kya mazak kare ho 5 year time for 800 plus CIBIL score bhai mene first Credit Card 2021 ke dec mein liya tha aaj mera cibil 838 hai

[@TechnoFino]

Talking about cibil score, not experian score.

[@MikeyGenZ]

@@TechnoFino CIBIL Score ki baat Kara hu mein bhi Offical CIBIL ki website se he check karta hu mein experience score 860 hai

[@user-vf6wi2le2y]

1st time mai zayada hee hoota hai , jab new cards ke liye apply karoge tab below 800 hee ho jayega . And only score matter nahi karta payment history bhi dekhi jaati hai.

[@Diljitsingh23311]

Sir what is mdr charges for rupay credit card upi and if there is no mdr for upto 2000 than there will be no fuel surcharge am I right?

[@PradeepDhawanGeek]

MDR is much different than Fuel Surcharge,

[@kishoreguptamathamsetty]

I three yrs credit history and my score is 780

[@dineshvadiya2952]

सही कहा है,

[@executer77]

In 8-9 months my credit score is 801 with 2 credit card

[@sohammt]

My CIBIL 799

[@okkhizar2733]

Much awaited video

[@sunitnayak8251]

Sir Mera cibil score 769 but loan application rejection

[@Rahul-d475]

My credit history is 1 year. 6 credit cards. CIBIL IS 808

[@mitesh289]

Is it possible to have 850+ cibil score?

[@osho2810]

Nice...Information

[@nayan98]

Mine 812 as per CRED

[@rickyrana7733]

798 pe rukha hai one year se

[@MukeshJ009]

782 cibil score he fir bhi credit cards nahi milta

[@MewEnter]

🎉🎉

[@makrajendra]

Mera 785 hai

[@sushbhai-rl7cs]

wo experian hota h sir

[@loveshayari1864]

Nahi ho sakta uncle knowledge lo

[@shashidharpatil9710]

Sir where you check CIBIL score

[@loveshayari1864]

From cibil score website

[@shashidharpatil9710]

@@loveshayari1864 thank you

[@SanJanJayadevan]

Google Pay

[@shashidharpatil9710]

@@ek_virus thank you

[@shashidharpatil9710]

@@SanJanJayadevan in Google pay also we can check?

[@swarupdas5622]

Mera 796 hey

[@sushilasharma-wk5ij]

Voice nhi AA rhi h aapki

[@anonymous-254]

Tuchiya aadmi