India's most detailed CIBIL improvement guide — built specifically for Delhi NCR borrowers. ARIA builds your personal plan to get from any score to 750+ in 60–90 days.
The single biggest factor. Even one missed EMI drops your score 50–100 points. Set auto-debit for every loan and credit card immediately.
How much of your credit card limit you use. Above 50% = bad signal. Keep below 30% of limit. Below 10% is ideal.
Older accounts = better score. Never close your oldest credit card — even if unused. Age of credit history matters.
Having both secured (home, car) and unsecured (personal, credit card) loans shows good credit management.
Each loan application = hard enquiry = -5 to -10 points. Multiple applications in 30 days = major red flag. Let ARIA match you first — one soft inquiry, no impact.
20% of CIBIL reports have errors — wrong accounts, settled loans still showing active, wrong default dates. These silently tank your score.
Tell ARIA your score and she'll build a specific plan for your profile — not generic advice.
Free · Personalised · Response within 30 minutes
Go to cibil.com — you get one free full report per year. For monthly monitoring, apps like BankBazaar, OneScore, and Paisabazaar show a soft-pull score for free. FLOCRED also checks your eligibility with a soft inquiry that doesn't affect your score.
With consistent EMI payments and low credit utilisation, most borrowers see 30–60 point improvement in 60–90 days. Dispute resolution for errors can add another 30–80 points in 30–45 days. Serious negative marks (settled accounts, defaults) take 2–3 years to fade.
No. Self-checks are "soft inquiries" and have zero impact. Only when a bank or NBFC runs a formal check as part of a loan application (hard inquiry) does your score temporarily dip by 5–10 points.
A score of 0 or -1 means you have no credit history at all. This is called NH (No History) or NA (Not Available). Banks treat this differently — some approve at higher rates, others decline. ARIA recommends starting with a secured credit card (₹10,000–₹20,000 FD backed) to build history.
Yes, but only from NBFCs — HDB Financial (600+), Bajaj Finserv (660+), Tata Capital (680+). Rates will be 14–18%. ARIA strongly recommends spending 60–90 days on score improvement before applying — the difference in interest cost over 5 years can be ₹1–2 Lakh.