How to Improve Credit Score in 30 Days

The first question that arises looking at a low credit score is, ‘How to improve credit score in 30 days?’ After all, a healthy financial future starts with a good credit score. 

In this article, we will look at factors you should focus on to improve your CIBIL score in 30 days. 

How Can I Improve My Credit Score in 30 Days?

First things first, it is next to impossible to improve your credit score in 30 days. Credit bureaus update credit scores and reports based on the information provided by the lenders. It takes at least 30 to 45 days for a bureau to update your credit score.

In addition, credit scores increase only by a few points every month. While some exceptions happen once in a blue moon, it usually takes a few months to see a positive increase. 

That doesn’t mean your efforts to increase your score are in vain. Here are some sound credit practices you can implement to improve your score over time. 

Pay Your Bills 

Repaying your debt on time is a sure-shot way of improving your score. Regular repayments make you a reliable borrower and increase your creditworthiness. 

Similarly, missing one EMI payment can have a devastating effect on your CIBIL score. Not only can it negatively affect your credit score, but it also stays on your credit report for several years depending on the frequency and severity of the late payment.

Lower Your Credit Utilization Ratio

Another factor that greatly contributes to your credit score improvement is the credit utilization ratio. The credit utilization ratio must always be less than or equal to 30% of your credit limit. Keeping your credit usage within this limit portrays you as a responsible borrower and aids in increasing your credit score. 

Open New Credit

Take a credit card or opt for a small loan that you can easily pay off in regular installments. This will add to your credit history, and help you build your CIBIL score steadily. 

Simultaneously, remember to keep your credit in check, as too much debt will make you seem credit hungry.

Avoid Closing Old Credit Accounts

Keep your old credit accounts open as they play a significant role in gradually increasing your CIBIL score. When you close an old credit account, it reduces your credit limit, increases your credit utilization ratio, and lowers your CIBIL score. 

Above all, consistent efforts help you improve your CIBIL score..


Timely repayments, lengthy credit history, and a lower credit utilization ratio are the keys to improving your credit score in 30 days. Additionally, check your credit report regularly to ensure the accuracy of the information presented there. While you may not see a dramatic improvement in your score in just 30 days, your efforts toward increasing it will gradually help you reach the score you aim for.


No. It is not possible to increase your score by 200 points in just 30 days. 

Yes. Depending on the changes you have made to the report, your CIBIL score may improve.

No. You can’t buy credit score points.

It may take anywhere between a few months to a year to build your credit score depending on the score you currently have and the score you wish to have. 

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