How to improve cibil score beyond 760

[bhaveshbhai]

Suggest how can I improve my cibil score from 760 which is stuck around this for quite some time.

I have never delayed any payments since last 15 years, always paid my credit card bills in full. I have never utilized more than 10-20% of my credit limit. But I have only unsecured loans (17 credit cards) which are open in my cibil report, I don't wish to avail any new loan (secured) just for improving the cibil score, but I don't understand what else can I do to improve the score.

I use around 7-8 credit cards regularly from my 17 credit cards, should I close others (all are benefecial for yearly sales)

 

[theflash]

Get it cleaned from the report, otherwise the score will recover but it will take a long time to do so (about 3yrs to clean it up).

Not showing in latest CIBIL Report I guess it's updated after 3-4 months of back and forth PNO RBI Ombudsman and what not!!! Finally they removed late payment and also refunded ₹115 ( the root cause of misunderstanding)🤣.