5 Proven Steps: Credit Score 0 to 800 तक पहुँचने का सबसे तेज़ तरीका

Bahut se log jab pehli baar loan ke liye apply karte hain, toh unhe pata chalta hai ki unka credit score “N/A” ya “NH” (No History) hai. Ek naye borrower ke liye Credit Score 0 to 800 ka safar tay karna thoda mushkil lag sakta hai, lekin ye namumkin nahi hai. “Our Finocracy” par humara maqsad aapko wo sahi rasta dikhana hai jisse aapka pehla financial footprint majboot bane.

Aaj ke digital daur mein, bina credit history ke loan milna bahut mushkil hai. Isliye, build credit score from scratch karna har us insaan ke liye zaruri hai jo bhavishya mein ghar ya car ke liye loan lena chahta hai. Isse pehle ki aap kisi bank ke chakkar kaatein, hamare Resources page par jaakar financial planning tools ka istemal karein taaki aap ek disciplined shuruat kar sakein.

1. Secured Credit Card: First Time Credit Score Secret

Agar aapka koi score nahi hai, toh bank aapko normal credit card dene se mana kar sakta hai. Aise mein credit card for beginners India ka sabse accha option hai “Secured Credit Card”.

• FD के बदले कार्ड: Aap bank mein ek choti Fixed Deposit (FD) karwa sakte hain aur uske badle card le sakte hain.
• Score Generation: Jab aap is card ka bill har mahine on-time bharte hain, toh bank aapki report CIBIL ko bhejta hai.
• Credit Report Trigger: इसे ‘First time credit score secret’ इसलिए कहते हैं क्योंकि ये आपकी फाइल bureaus में तुरंत खुलवा देता है।

2. Consumer Durable Loans: Improving CIBIL Score For New Borrowers

Aajkal mobile ya laptop EMI par lena bahut aasaan hai. Ye improving CIBIL score for new borrowers ka ek behtareen tarika hai.

• छोटी EMI शुरू करें: Kisi electronics store se ek sasta appliance 6-9 mahine ki EMI par lein.
• Repayment Discipline: Har mahine ki kist sahi waqt par bharein; ek bhi miss hui kist aapke bante huye score ko bigad sakti hai.
• No-Cost EMI Advantage: कोशिश करें कि “No Cost EMI” चुनें ताकि एक्स्ट्रा इंटरेस्ट का बोझ न पड़े और हिस्ट्री बनती रहे।

3. Credit Mix का महत्व: Secured vs Unsecured Balance

Jab aapka score banna shuru ho jaye, toh dheere-dheere ek accha “Credit Mix” banayein. Google AI aur banks un logo ko pasand karte hain jo har tarah ka karz sambhal sakte hain.

• Diverse Portfolio: Sirf credit cards hi nahi, balki ek chota personal loan ya consumer loan bhi aapke profile ko majboot banata hai.
• History Length: अपने सबसे पुराने क्रेडिट अकाउंट को कभी बंद न करें, क्योंकि लंबी हिस्ट्री Credit Score 0 to 800 तक पहुँचने में बहुत बड़ी भूमिका निभाती है।

4. RBI के नियम: RBI Rules For Credit Reporting

Aapko pata hona chahiye ki RBI rules for credit reporting ke mutabik, banks ko har mahine aapka data credit bureaus ko bhejna anivarya hai.

• Data Transparency: Agar aapne bill bhara hai lekin score nahi badh raha, toh aap bank se iski report maang sakte hain.
• Dispute Resolution: किसी भी गलती की सूरत में आप RBI Official Website पर जानकारी लेकर dispute file कर सकते हैं।

5. Hard Enquiry से बचें: 100% Approval की तैयारी

Naye borrowers aksar ye galti karte hain ki wo ek saath 4-5 banks mein loan apply kar dete hain.

• Soft vs Hard Enquiry: Sirf apna score check karna “Soft Enquiry” hai, lekin loan apply karna “Hard Enquiry” hai.
• Loan Rejection Risk: Bahut saari hard enquiries bank ko ye batati hain ki aap karz ke liye bahut pareshan hain.
• Smart Strategy: हमेशा CIBIL पर स्कोर चेक करके ही किसी एक बेस्ट बैंक में अप्लाई करें।

Aapka pehla score hi aapki asli financial pehchan hai. Humne apne Loans section mein detail mein samjhaya hai ki naye borrowers ke liye kaunse banks saste loans offer kar rahe hain. Hamara About Us page padhein aur samjhein hum kyun aapki bittiya unnati ke liye kaam karte hain.