How to increase credit score ?

[rushikvadher]

Hello All,

I am facing issues of decreasing of credit score every month due to hard enquiry and some misplace done by cibil team and loan lender. Due to which my cibil which has to been 800 around is now 708.

Can you all, please me to build credit score?
How to do build it quickly and can bring it put 850 Around.

Please help me as my Credit card are getting decline due to it.

Thanks in advance.

@TechnoFino
@BhavyaGoel

 

[akshayhs]

Can you clarify the below?

1. Source and reason for hard enquiries?
2. Existing loans and credit cards?
3. Any late payments in any of your accounts?

 

[rushikvadher]

Hard Enquiries By Credit Card For 100 Rs Especially SBI Card

Their was no late payment charges made from my side. But in one loan it is said that it is showing me 180 days. For This I have already raise query to cibil and loan lender

1 Loan And 4 Cc

 

[akshayhs]

Hard Enquiries By Credit Card For 100 Rs Especially SBI Card

Their was no late payment charges made from my side. But in one loan it is said that it is showing me 180 days. For This I have already raise query to cibil and loan lender

1 Loan And 4 Cc

The 180-day late payment error is costing you heavily then! Follow up on that dispute and keep bugging them until they rectify it. That's brutal!

 

[Gauthamanand28]

Yeah, that error is the main issue for you

 

[coinhunter]

Where can you check your CIBIL score?

 

[akshayhs]

Where can you check your CIBIL score?

Your options can be found here.

 

[coinhunter]

Your options can be found here.

Thanks

 

[Ragul]

The 180-day late payment error is costing you heavily then! Follow up on that dispute and keep bugging them until they rectify it. That's brutal!

In case, If we close this loan, will cibil increase? or it will be there in history for 3 years?

 

[John Since]

Does having different addresses for different cards in credit report impact negatively on the credit score?
If so, please let me know how to correct the same?

 

[Mritunjay]

9 inquiries in 2nd last month, score dropped by 2 points 765 to 763, and last month it gained by 1 point to 764. Don't think your score dropped because of inquiries.