HOW TO IMPROVE YOUR 859 CREDIT SCORE?
A CIBIL Score of 859 is well above the average credit score. An 859 Score is nearing perfection. You still may be able to improve it a bit, but while it may be possible to achieve a higher numeric score, lenders are unlikely to see much difference between your score and those that are closer to 859.
TIPS TO GET A HIGHER CREDIT SCORE THAN 859
1
Consider a credit-builder gold loan
Gold loans can help build borrowers' credit profiles, by demonstrating the ability to make regular monthly payments. When you take a gold loan with indiagold, you get a loan where you only need to pay the interest amount without worrying about the principal repayment. Gold loans at indiagold also have a very low interest rate, starting at just 0.8% per month. Once you've paid off enough installments, you get your gold back. It's a neat way to not only utilize the gold that may be lying as a dead asset at your home, but also bump up your repayment history in front of the national credit bureaus, which can lead to credit-score improvements.
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indiagold is in partnership with
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apply now for gold loan with
Get funds in 45 minutes!
indiagold is in partnership with
AXIS Bank
2
Pay your bills on time
Paying your bills on time is the most important thing you can do to improve your credit score. It shows lenders that you are responsible with your money and that you can be trusted to pay back what you borrow.
3
Avoid high credit utilization rates
Credit utilization, or debt usage, is the basis for about 30% of your Credit Score. Keep your utilization rate below about 30% can help you avoid lowering your score.
