A 750 CIBIL score is considered excellent in India and gives you access to faster loan approvals, better interest rates, and high-limit credit cards. Reaching this number takes a mix of discipline, planning, and patience.
But before we begin, let’s clarify: CIBIL Score and CIBIL Rank are different. The score (300–900 range) applies to individuals, while CIBIL Rank (1–10) is for businesses. So, for personal credit goals, focus on improving your CIBIL score, not rank.
✅ Steps to Reach 750 CIBIL Score in India:
1. Pay Every EMI & Credit Card Bill on Time
Your repayment history has a huge impact. Set auto-payments or reminders to avoid delays.
2. Keep Credit Utilization Low
Use only 20–30% of your credit limit. It shows financial control and helps increase your score faster.
3. Avoid Multiple Loan Applications
Too many hard enquiries in a short time can reduce your score. Be selective and space out your applications.
4. Maintain a Healthy Mix of Credit
A combination of secured (like home or car loans) and unsecured (credit cards or personal loans) credit builds credibility.
5. Check Your CIBIL Report Regularly
Errors in your report can affect your score. Identify and raise issues early to avoid long-term damage.
🧠Expert Tip:
If you're struggling to reach 750 and don’t know where to start, consider consulting with a professional. Apoorvaa – Credit Bureau Lawyer of India is a trusted name in Cibil Score Consultant and individual credit profile restoration. We help you understand your credit report, identify hidden issues, and guide you step by step to achieve a strong credit profile.
📌 Final Note:
Achieving a 750 CIBIL score is absolutely possible, even if your current score is low. All it takes is the right guidance and consistent efforts. Start your journey with the right habits, and when in doubt, seek help from seasoned professionals like Apoorvaa – Credit Bureau Lawyer of India.
