How to Improve Your CIBIL Score in Under 90 Days
A low CIBIL score can stop you from getting loans or credit cards and even affect your chances of opening a new demat account. But the good news is that it’s possible to improve your CIBIL score significantly in as little as 90 days—if you follow the right strategies consistently. Whether you’re planning to apply for a loan or want to open demat account with better credit terms, boosting your score quickly can make all the difference.
Here’s how you can start improving your CIBIL score within three months.
Understand Why Your Score Is Low
The first step to improving your score is knowing why it dropped in the first place. Get your latest credit report and check for:
- Missed or late payments
- High credit card balances
- Too many recent loan applications
- Errors or fraudulent accounts in your name
Identifying these issues early helps you prioritize your actions, especially if you plan to apply for a loan or open demat account soon.
Pay Off Overdue Amounts Immediately
Settling these accounts shows lenders you’re taking your credit obligations seriously.
Lower Your Credit Utilisation Ratio
Using more than 30% of your total credit limit signals risk to lenders and can hurt your score. Bring your balances down by paying off credit cards or shifting expenses to debit until your score improves. Keeping your utilisation low is crucial before applying for a loan or to open a demat account with certain brokers who consider your credit health.
Avoid New Loan or Credit Card Applications
Each new application leads to a hard inquiry, which can further reduce your score. While improving your CIBIL score, avoid applying for new loans or credit cards for at least 90 days. Focus on stabilising your current accounts first.
Increase Credit Limits Where Possible
Contact your credit card issuer and request a limit increase—without using the extra credit. A higher limit lowers your utilisation ratio, which can help your score recover faster. This can be especially useful if you plan to open a demat account and want to appear financially stable.
Dispute Errors on Your Credit Report
Errors like wrongly reported late payments or accounts you never opened can drag your score down unfairly. File a dispute with CIBIL or the respective bank immediately. Most disputes are resolved within 30–45 days, giving your score time to rebound within your 90-day window.
Set Up Auto-Payments
Missed payments are one of the biggest contributors to a low score. Automating your EMIs and credit card bills ensures you never forget a due date again. Consistent on-time payments have a positive impact on your score.
Use Existing Credit Responsibly
If you have old credit cards, keep them active with small monthly spends and timely repayments. Length of credit history is a factor in your score, and maintaining older accounts responsibly boosts your profile. This can also help when you open demat account in future, as some brokers evaluate credit histories.
Monitor Your Progress Regularly
Use official or RBI-approved sites to check your CIBIL score every month. Tracking your progress keeps you motivated and helps you identify issues before they worsen.
Prepare Financially Before Big Decisions
Once your score starts improving, avoid rushing into a loan or financial commitment. Plan your next steps carefully, whether it’s applying for a personal loan or choosing the right broker to open demat account. A few extra weeks of good credit behaviour can further enhance your score.
Conclusion
Improving your CIBIL score doesn’t have to take years. By focusing on paying dues on time, lowering credit utilisation, avoiding unnecessary applications, and disputing errors, you can make substantial progress in under 90 days. A stronger score opens doors to faster loan approvals, better interest rates, and smoother experiences when you open demat account or apply for other financial products. Start today—because taking control of your credit is one of the best decisions you can make for your financial future.
