Increase CIBIL Score from 400 to 750


Are you struggling with a low CIBIL score of 400? Looking for ways to improve your CIBIL score immediately or do need to increase your CIBIL score fast? You're not alone. Many people face financial roadblocks due to poor credit scores, but the good news is that improving your CIBIL score to 750 is achievable with the right strategies.

From this page, check how to increase CIBIL Score from 400 to 750. Read on to know more!


A CIBIL score of 400 increases the risk of loan rejections as it indicates high credit risk to lenders. Improving your score to 750 can get better loan approvals, lower interest rates, and enhanced financial opportunities.

Understanding CIBIL Score

A CIBIL score is a three-digit number ranging from 300 to 900 that reflects your creditworthiness. It is issued by the Credit Information Bureau (India) Limited (CIBIL) and is used by lenders to determine your credit eligibility.

CIBIL Score Range Rating What it Means
300 - 550 Poor High risk of loan rejection
550 - 650 Average Limited credit options, higher interest rates
650 - 750 Good Better loan terms and moderate approval rates
750 - 900 Excellent Easy approvals and low interest rates
*Note that four major bureaus are providing you with credit scores, and CIBIL is one of them.

Don't know your credit score? You can find out for free!

Check Your Credit Score for Free

Also get a Free Credit Report

Reasons Why Your CIBIL Score is 400

A CIBIL score of 400 is considered ‘Poor’ and before learning how to improve your CIBIL score immediately, it's essential to know the reasons behind a low score. Common factors include:

  • Late or Missed Payments: Delayed EMIs or credit card payments impact your score.
  • High Credit Utilization Ratio: Using more than 30% of your credit limit.
  • Loan Defaults: Failure to repay loans significantly lowers your score.
  • Multiple Credit Inquiries: Frequent loan applications indicate financial instability.
  • Lack of Credit History: Limited credit experience affects your score negatively.

Tips to Increase Your CIBIL Score from 400 to 750

If you’re looking for actionable ways to improve your CIBIL score fast from 400 to 750, follow these proven strategies:

1. Check and Correct Your Credit Report

  • Action: Obtain your credit report from CIBIL’s official website.
  • Why It Works: Errors like incorrect personal information, duplicate accounts, or wrong loan entries can lower your score.

Tip: Dispute inaccuracies immediately with CIBIL to correct them.

2. Pay Off Outstanding Dues

  • Action:Clear any overdue payments on loans, credit cards, and EMIs.
  • Impact:Paying off debts can show immediate improvements in your CIBIL score.

Tip: Prioritize high-interest debts and accounts with the highest overdue amounts.

3. Reduce Credit Utilization Ratio

  • Action:Keep your credit utilization below 30% of your total credit limit.
  • Example:If your credit card limit is ₹1,00,000, avoid spending more than ₹30,000.

Tip: Pay down existing balances or request an increase in your credit limit.

4. Avoid New Credit Applications

  • Action:Limit applications for new loans or credit cards.
  • Why It Helps:Each hard inquiry can reduce your score by a few points.

5. Negotiate for a ‘One-Time Settlement’

  • Action:If you have old dues, negotiate with lenders for a one-time settlement.
  • Caution:Ensure the lender reports the settlement accurately to CIBIL.

6. Become an Authorized User

  • Action:Ask a family member with a good credit history to add you as an authorized user.
  • Benefit:This helps you build a positive credit history quickly.

Check credit card offers for your credit score! Check Now!

Amit's Journey from 400 to 750 CIBIL Score

Amit, a 30-year-old professional, faced a major setback when his home loan application was rejected due to a CIBIL score of 400.


Determined to turn his situation around, he first checked his credit report and identified errors and overdue payments, which he promptly addressed. He set up auto-payments to ensure timely bill payments and reduced his credit utilization by paying off a large portion of his credit card balance.


Amit also stopped applying for new loans to avoid hard inquiries and focused on making small, manageable purchases that he repaid in full each month.


To accelerate his progress, his sister added him as an authorized user on her credit card, improving his credit profile.


To accelerate his progress, his sister added him as an authorized user on her credit card, improving his credit profile.


Over the next 12 to 18 months, his score gradually climbed to 750. With his improved credit score, Amit finally secured his home loan at a lower interest rate.


His journey proved that with patience, discipline, and smart financial decisions, anyone can achieve a 750 credit score and get better financial opportunities.


Tips to Maintain a Good CIBIL Score

While some methods provide immediate results, long-term financial habits are key to sustaining a high CIBIL score. Here’s how:

  • Pay EMIs and Bills On Time: Automate payments to avoid delays and build a consistent payment history.
  • Maintain a Diverse Credit Mix: Balance secured (home loans) and unsecured (personal loans) credit to show responsible usage.
  • Keep Older Credit Accounts Active: Avoid closing old credit cards with a positive history to maintain a long credit profile.
  • Monitor Your Credit Regularly: Check your CIBIL score quarterly to stay informed and address issues promptly.

Importance of Improving CIBIL Score

Your CIBIL score is a key indicator of your financial health. Improving your score opens doors to better financial opportunities and stability. Here are the key benefits of improving your CIBIL score:


  • Easier Loan Approvals:A higher score increases your chances of getting loans approved quickly.
  • Lower Interest Rates:Lenders offer loans with lower interest rates to individuals with good credit scores.
  • Higher Credit Limits:You are more likely to get higher credit limits on credit cards and loans.
  • Better Rental and Employment Opportunities:Some landlords and employers check credit scores before finalizing contracts.
  • Access to Premium Credit Cards:High scores qualify you for cards with exclusive benefits and rewards.

Ready to take the next step?

FAQs on Improving CIBIL Score from 400 to 750

Visit CIBIL official website or authorized financial platforms to get one free credit report annually. Register and verify your details to access your score.

Pay outstanding dues, reduce credit utilization, make timely payments, avoid multiple loan applications, and dispute errors in your credit report.

Typically, it takes 12 to 24 months with consistent financial discipline, such as paying bills on time and managing debts effectively.

It’s difficult, but some lenders offer loans with higher interest rates or require collateral. Improving your score can increase your chances.

Avoid late payments, max out credit cards, apply for multiple loans, and close old credit accounts with a positive history.

A score of 400 signals high risk to lenders, limiting your ability to get loans or credit cards. Improving it enhances your financial opportunities.

Access your score through CIBIL's official website or trusted financial apps. Ensure your details are correct during registration.

Late payments, loan defaults, high credit utilization, multiple loan applications, and short credit history negatively impact your score.

Yes, using more than 30% of your credit limit can harm your score. Paying off balances on time helps improve your score.

Yes, by clearing existing debts, using credit responsibly, and maintaining a low credit utilization ratio, you can improve your score.

Display of trademarks, trade names, logos, and other subject matters of Intellectual Property displayed on this website belongs to their respective intellectual property owners & is not owned by Bvalue Services Pvt. Ltd. Display of such Intellectual Property and related product information does not imply Bvalue Services Pvt. Ltd company’s partnership with the owner of the Intellectual Property or proprietor of such products.

Please read the Terms & Conditions carefully as deemed & proceed at your own discretion.