Increase CIBIL Score

A credit score of 800 is considered excellent by every lender and allows you to access credit whenever required. It is not an easy task to achieve a score of 800. However, it is not impossible either.

In this article, we have put together some easy techniques to help you understand how to increase credit score to 800. 

How To Increase CIBIL Score To 800?

CIBIL score grows when borrowers consistently try to improve their financial health and spending habits. 

Here’s how to increase credit score to 800.

Timely Repayments

Nothing impacts your score as your EMI payments do. One missed payment and you will see a huge drop in your CIBIL score. 

Similarly, with timely repayments, you will see a steady increase in your score. 

Healthy Mix Of Credit

Individuals with high credit scores usually have a credit mix including unsecured loans, secured loans, and such. A balanced credit mix will improve your standing with lenders.

Lengthy Credit History

A lengthy credit history signifies that you are a trustworthy borrower. Additionally, a history of credit allows the lender to look into your credit behavior and assess your creditworthiness. 

To ensure you have a good credit history, keep your old credit cards open. Closing credit will lead to a decrease in credit scores.

Credit Utilization Ratio

The credit utilization ratio refers to the amount of credit you are using from your given credit limit. It is important to keep your credit utilization ratio at 30% to improve your CIBIL score to 800. 

Balance Your Credit

While taking too much credit makes you look credit-hungry and decreases your CIBIL score, less credit does not give lenders sufficient information about your borrowing behavior to determine your creditworthiness. 

A balance helps lenders assess you and improve your credit score. 

Avoid Hard Inquiries

Every time you seek new credit, the lender conducts an inquiry to determine if you can be trusted to repay the loan. This is referred to as a hard inquiry. 

Every time a hard inquiry is conducted by a lender, your credit score may drop a few points. Repeated hard inquiries will lead to a significant decrease in your CIBIl score. To make sure your credit score is not negatively affected, avoid taking too much credit.

Credit Report

It is healthy to check your credit report every two months for errors or misinformation. Discrepancies in the report can cause you to lose credit points. 

At times, information regarding your loan closure and repayments might be misprinted or exempted. Raise a complaint to CIBIL to ensure your information is correct and your credit report is free of errors to increase your credit score.

How Long Will It Take To Improve My CIBIL Score To 800?

The time it takes to reach a credit score of 800 depends on the score you hold currently. If your credit score lies between 750 to 799, it will take you very little time to increase it to 800 with consistent efforts.

However, if you have a score of 749 and below, it will take you longer. With healthy credit behavior and financial habits, you can get your score to 800 in a year or more.


An excellent credit score signifies a responsible borrower. It is everyone’s responsibility to ensure they have good credit scores to easily secure a loan when necessary. Simple changes and a disciplined financial life will help you improve your credit score steadily. 

Cibil Score Related FAQs

Any credit score above 750 is considered an excellent score by lenders.

It is not possible to increase your score to 800 within a month. However, with consistent efforts, you can gradually improve your score.

You can pay your EMIs on time, maintain a good credit mix, and have trustworthy credit history to easily increase your score to 800.

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