Credit Score Kya Hota Hai Aur Kaise Improve Kare Fast ?

Main sach kahu to pehle mujhe credit score ka matlab hi samajh nahi aata tha. Lagta tha bank wale log kuch apna hi game khelte hain. Sochta tha aam aadmi ke liye iska kya use. Par jab ek din bank gaya aur unhone bola sir aapka credit score low hai to tab ekdum shock laga. Us moment me realise hua ki ye number simple nahi hai ye aapki financial image dikhata hai.

Credit score ek tarah ka report card hota hai jo bataata hai aap paiso ke saath kitne responsible ho. Agar aap time par loan aur bill clear karte ho to score accha rehta hai. Par agar payment delay karte ho ya zyada credit use kar lete ho to score neeche chala jaata hai bina bataye.

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Credit Score Kya Hai

Easy language me samjho to credit score ek number hota hai 300 se 900 ke beech. Jitna high score utna zyada trust bank aur lenders ko aap par.

India me CIBIL sabse common system hai. Experian aur Equifax bhi ye score banate hain. Pehle mujhe lagta tha ye koi random number hota hai par baad me samjha ki ye aapke purane payment aur credit use ke record pe based hota hai.

Agar score 750 se upar hai to loan milna easy hota hai. 650 ke aas paas normal hai aur 600 se kam hua to bank sochta hai risk high hai.

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Credit Score Important Kyu Hai

Credit score simple words me aapka trust meter hota hai. Jab bhi aap loan ya credit card ke liye apply karte ho sabse pehle bank wahi dekhta hai. Agar score accha hai to approval fast milta hai aur rate of interest kam hota hai. Score low ho to process delay hoti hai aur kabhi kabhi reject bhi kar dete hain.

Mujhe yaad hai jab mera score 620 tha aur main personal loan lene gaya tha. Bank wale polite the par unhone clearly bola sir abhi thoda mushkil hoga. Us din laga ye number chhota nahi hai ye meri credibility dikhata hai.

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Credit Score Improve Kaise Kare

Mainne khud ka score improve kiya hai. Pehle confuse tha par dheere dheere habits badli aur result mil gaya.

1 Time se payment karo
Har EMI aur credit card bill due date se pehle clear karo. Ek bhi miss hua to CIBIL record kar leta hai. Pehle lagta tha ek din late hone se kya hoga par wo ek din hi score gira deta hai.

2 Credit card limit kam use karo
Agar limit ek lakh hai to koshish karo 30000 ke andar hi use karo. High usage matlab aap credit par dependent ho. Low usage matlab smart spender.

3 Minimum payment se bachho
Sirf minimum amount bharna easy lagta hai par long term me problem ban jaata hai. Full payment karo warna debt badhta rahega aur score girta rahega.

4 Ek sath zyada loan mat lo
Ek saath do teen loan lena galat habit hai. Pehle ek clear karo fir next lo. Bank ko lagta hai aap pressure me ho to risk badh jaata hai.

5 Purane credit card mat band karo
Old card aapki credit history strong banate hain. Unhe active rakho chahe kam use karte ho.

6 Report check karte raho
Har 6 mahine me apna CIBIL report check karo. Kabhi kabhi galat entry hoti hai jo score gira deti hai. Galti dikhe to immediately dispute kar do.

7 Financial control rakho
Mainne jab unnecessary shopping kam ki aur ek SIP start ki to pehli baar laga control me hoon. Dheere dheere score badhne laga.

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Mera Personal Experience

Mera score pehle 620 tha. Honestly bola jaye to tab mujhe pata hi nahi tha kya karna hai. Lekin maine socha chalo try karte hain. Har payment time par ki, credit card limit 30 percent ke andar rakhi aur kharche thode discipline se kiye.

Shuru me koi change nahi dikha. Do mahine tak score wahi ka wahi. Lekin fir ek din dekha 680. Uske baad 720 aur 7 mahine baad 780. Tab samjha ye patience ka game hai.

Ab jab bhi loan apply karta hoon approval easily milta hai aur rate bhi kam hota hai. Confidence aata hai ki haan maine apni financial image khud banayi hai.

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Common Galatfaimiyan

Pehli galatfaimi ye hai ki credit score sirf job walon ka hota hai. Ye galat hai. Student ya freelancer agar credit use karte hain to unka bhi score hota hai.

Doosri ye soch ki ek baar score gira to kabhi nahi badhega. Ye myth hai. Score har mahine update hota hai aur habit change karne se improve hota hai.

Teesri galti ye hai ki debit card se score badhta hai. Nahi badhta. Credit card ka data hi count hota hai.

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Conclusion

Credit score koi technical cheez nahi hai. Ye bas ye batata hai ki aap apne paiso ke sath kitne responsible ho. Agar aap samajhdari se credit handle karte ho to score apne aap improve hota hai.

Chhoti chhoti cheezein matter karti hain. Ek bill time se pay karna ek old card active rakhna unnecessary kharche kam karna. Ye sab milke ek solid image banate hain.

Main maanta hoon paisa banana ek skill hai par paisa sambhalna ek maturity hai. Credit score us maturity ka proof hai.

WeTalks me hum yehi kehte hain accha credit score paisa se nahi habit se banta hai. Aur jab aadat sahi hoti hai to paisa apne aap aapke liye kaam karne lagta hai.