Introduction – CIBIL Score Kam kyun ho jata Hai aur Kyun Important Hai?
Dekho ye Ek bahut hi Important saval hai ki hamara cibil score kam kyun ho jata hai. Aajke time mein CIBIL Score ek aisa score ban chuka hai jo decide karta hai ki aapko loan milega ya nahi, aur milega to kis interest rate par milega. Bahut se log yeh complaint karte hain ki “Mera CIBIL Score achanak se kam kyun ho gya?” ya “maine to loan liya hi nahi, phir bhi score low kyun hai?”
Mene khud dekha hai ki bahut se log Cibil score kam hone se bahut dar jate hain, kyun ki unko sahi jankari nhi hoti.
Is article mein hum ekdam easy way mein samjhenge:
- CIBIL Score kam hone ke main reasons
- Kam score se hone wali problems65+
- Har problem ka practical solution
- Real‑life examples
- FAQs, tips aur mistakes jo log aksar kar dete hain
Agar aap student, job holder, business owner ya homemaker hain – yeh guide har kisi ke liye useful hogi.
CIBIL Score Kya Hota Hai?
CIBIL Score ek 3‑digit number (300–900) hota hai jo aapki credit history ko dikhata hai. Yeh score TransUnion CIBIL naam ki company banati hai.
CIBIL Score Range aur Meaning
- 750–900: Excellent (Loan easily mil jata hai)
- 700–749: Good
- 650–699: Average
- 550–649: Poor
- Below 550: Very Poor
Simple words mein: Jitna zyada score, utna zyada bank ka trust.
CIBIL Score Kam Kyun Ho Jata Hai? (Main Reasons)
Ab aate hain sabse important question par – CIBIL score kam hone ke karan.
1. EMI ya Credit Card Bill Late Pay Karna
Yeh sabse bada reason hai CIBIL score girne ka Ya CIBIL Score Kam hone ka.
Example:
Maan lijiye Ramesh ji ne ₹10,000 ka credit card bill time par pay nahi kiya aur 30 din late ho gaye. Sirf ek late payment unka score 50–70 points tak gira sakta hai.
Mere pas kai ese readers ke messages aaye hain jinki sirf ek EMI late hone se loan reject ho gya.
Isse CIBILSCORE par kya asar padta hai?
- Bank ko lagta hai aap financially irresponsible hain
- Payment discipline kharab dikhta hai
Solution:
- Auto‑debit enable karein
- Reminder apps use karein
- Minimum amount due bhi late na karein
- Last date se pahale hi pay karein.
2. Credit Card ka Zyada Use (High Credit Utilization)
Agar aap apne credit card ki limit ka 30% se zyada use karte hain, to score kam ho sakta hai.
Example:
Aapke card ki limit ₹1,00,000 hai aur aap har mahine ₹90,000 spend kar dete hain – chahe bill time par pay kar rahe ho, phir bhi score gir sakta hai.
Ideal Rule:
- Credit utilization 30% ke andar rakhein
Solution:
- Limit increase request karein
- Multiple cards ka balanced use karein
3. Baar‑Baar Loan ya Credit Card ke Liye Apply Karne se kya hota hai?
Har baar jab aap loan ya card ke liye apply karte hain, to hard inquiry hoti hai.
Bank aapko credit card hungry samajhta hai.
Problem:
- Zyada inquiries = desperation signal
- Short time mein multiple applications = score down
Solution:
- Sirf zarurat par hi apply karein
- Eligibility check tools ka use karein
- Ek hi bank mein bar bar apply na karein
- Har application ke beech 3 – 6 mahine ka gap rakhein
4. Purana Loan ya Credit Card Default
Agar aapne pehle kisi loan ko default kiya hai, to uska effect saalon tak rehta hai.
Example:
Ek personal loan jo 3 saal pehle default hua tha, aaj bhi report mein dikhega.
Solution:
- Pending dues settle karein
- Written closure letter lein
- Settlement ke baad report update check karein
5. Loan Settlement (Full & Final Settlement)
Bahut log sochte hain settlement karna achha hai, par CIBIL ke liye yeh negative hota hai.
Meri personal ray mein loan settlement tabhi karna chahiye jab Income ka koi or option bilkul na bache.
Kyun?
- Settlement ka matlab: aap poora paisa nahi chuka paaye
Better Option:
- Jahan possible ho full payment karein
6. No Credit History (New User Problem)
Agar aapne kabhi loan ya card use hi nahi kiya, to bhi score low ho sakta hai.
Solution:
- Starter credit card lein
- Small consumer durable loan lein
7. Galat Information Credit Report Mein
Kabhi‑kabhi bank ki galti se wrong data report mein chala jata hai.
Example:
- Galat EMI late dikha di
- Kisi aur ka loan aapke naam par
Solution:
- CIBIL dispute raise karein
- Supporting documents upload karein
CIBIL Score Kam Hone Se Kya Problems Hoti Hain?
1. Loan Rejection
2. High Interest Rate
3. Credit Card Reject
4. Low Loan Amount Approval
5. Financial Stress aur Planning Failure
CIBIL Score Improve Kaise Karein? (Step‑by‑Step Solutions)
Step 1: Apni Credit Report Check Karein
Har 12 mahine mein ek baar free report milti hai.
Step 2: EMI aur Bills Time Par Pay Karein
Payment history ka weightage 35% hota hai.
Step 3: Credit Utilization Kam Rakhein
30% rule follow karein.
Step 4: Old Credit Accounts Band Na Karein
Purani history score ko support karti hai.
Step 5: Mix of Credit Rakhein
Secured + unsecured loans ka balance achha hota hai.
Kitne Time Mein CIBIL Score Improve Hota Hai?
- Minor issues: 3–6 months
- Major default: 12–24 months
Consistency sabse important hai.
Common Mistakes Jo Log aksar Karte Hain
- Minimum due bhi late karna
- Ek saath 5–6 loan apply kar dena
- Settlement ko positive samajhna
- Credit report ignore karna
FAQs – CIBIL Score se Jude Sawal‑Jawab (Jo sabse jyada puchhe jate hain)
Q1. Kya ek late payment se score girta hai?
Haan, especially agar 30 din se zyada late ho.
Q2. Kya CIBIL score free check hota hai?
Haan, saal mein ek baar free.
Q3. Kya salary zyada hone se score badhta hai?
Nahi, salary ka direct relation nahi hota.
Q4. Kya loan settlement ke baad score badhta hai?
Nahi, settlement negative impact karta hai.
Q5. Best CIBIL score kitna hota hai?
750+ excellent mana jata hai.
Expert Tips for Long‑Term Good CIBIL Score
- Financial discipline banaye rakhein
- Emergency fund banayein
- Credit ko respect ke saath use karein
Disclaimer
This article is published for informational and educational purposes only. It does not constitute financial, legal, or professional advice. Loan and credit card rules, eligibility, and policies may vary from bank to bank and can change over time. Readers are advised to verify details with their bank or consult a certified financial advisor before making any financial decisions.
Ye artical likhane ka maksad sirf Jankari Dena Nahin Hai, balki galtiyon se aapko Bachana hai jo logo ko mene bar bar karte dekha hai.
Conclusion
CIBIL Score kam hona koi permanent problem nahi hai, lekin ignore karna sabse badi galti ho sakti hai. Agar aap time par payments, limited credit use aur regular monitoring karte hain, to dheere‑dheere score improve hota hai.
Agar aap chahte hain ki future mein bina tension loan mile, to aaj se hi apni credit habits sudharna shuru karein.
Agar aapko yah jankari upyogi lagi ho, or koi bhi doubt ho to apne SAWAL comments mein jarur puchhein.
