Credit Cards
How to Improve Your CIBIL Score From 650 to 750 in Six Months
02 July 2026 · 8 min read
Realistic, RBI-compliant steps to lift your credit score before applying for a large loan.
Where a 650 score usually comes from
Most sub-700 scores in India are driven by high credit utilisation, one or two late payments, or a very thin credit file rather than a serious default.
The six-month plan
Pay every card in full and on time, bring utilisation below 30% of your total limit, avoid new hard enquiries, and dispute any incorrect entry on your bureau report. Bureaus are required to resolve disputes within 30 days.
Key takeaways
- Payment history and utilisation carry the most weight.
- Do not close old cards; length of credit history helps you.
- Check your free annual bureau report for errors.
Frequently asked questions
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