Credit Score
credit score
CIBIL
credit utilisation
loan eligibility
Credit Score: What to Fix Before You Apply
Improve your credit profile by checking repayment history, utilisation, account mix, and recent enquiries.
By ArthLyn Credit Desk - 5 min read - Updated 2026-07-03
The score is only one signal
A higher score helps, but lenders also evaluate income, banking conduct, obligations, employer category, geography, and internal policy.
Still, reviewing your report before applying can prevent avoidable rejection due to incorrect overdue entries or high credit-card utilisation.
- Pay current dues on time and clear overdue amounts first.
- Keep card utilisation moderate before applying.
- Do not submit too many applications at once.
Comments
Rohan
I checked my report and found an old closed account still marked active.
2026-06-25