These are the factors that affects your cibil score
Reputation of your installment – The CIR report will record every one of your advances, charge cards utilization, reimbursement history, default or deferral in installments and so forth dependent on which the FICO assessment will be determined. Credit reimbursements represent 35% of your score so it is critical to reimburse your EMIs and all bills a long time before the due date. Any postponements or defaults will negatively affect your FICO assessment and will show that you experience difficulty overhauling your credit. Great Credit blend – This records for 10% of your FICO rating. On the off chance that you are overhauling a few credits ensure you have a decent blend of verified and unbound advances. In a perfect world the proportion is 80% of verified and 20% unbound and ensuring you are adjusting them well by paying EMIs before the due date. Your financial assessment probably won't be perfect in the event that you have just unbound cr