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Keeping track of your score is essential as it would give you an idea as to where you stand.

The more loans you have applied for, the higher the probability of a weak CIBIL score. Space out your loans and credit card applications.

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Swiping a credit card when you shop is easy but repaying on time is also important....

Primarily, all loans fall into two broad categories – secured loans and unsecured loans. Secured loans are high-end loans like home loans or car loans which, when paid on time, contribute to a solid CIBIL score. On the other hand, unsecured loans, are the loans which do not need any collateral, like personal loans or credit cards. The more unsecured loans you have outstanding, the lower your CIBIL score.

If you haven’t taken a loan in the past or used a credit card, there are chances that you would have very less credit track record - in that case it is recommended to apply for a credit card and use it judiciously with timely payment. This would allow you to build a good credit history.

Observe the pattern in which you have been making payments and try regularizing it to improve your score.

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It is a good idea to automate your payments, so the dues are paid even before you begin your monthly expenses.

Most loan applications are rejected due to a poor CIBIL score as this score can single-handedly make or break the deal. Read on for a few useful tips on how to increase your CIBIL score and invest in the house of your dreams.

Increase your CIBIL score and invest in the house of your dreams.