How to Improve CIBIL Score from 600 to 750 in 6 Months

What actually moves CIBIL

1. Pay on time (35% weight) — every EMI, every credit-card bill

2. Keep utilization <30% (30% weight) — if limit is ₹1L, never carry >₹30K

3. Old accounts (15%) — don't close your first credit card

4. Credit mix (10%) — 1 card + 1 small loan beats 5 cards

5. New enquiries (10%) — don't apply for 5 loans in a month

6-month plan

• Month 1: Pull free CIBIL report (cibil.com)
• Month 2–3: Settle any "written-off" accounts
• Month 4–6: Pay all dues 5 days early; utilization <20%

Expect +80–120 points if no defaults.