A CIBIL score is a three-digit number that reflects your creditworthiness. Ranging from 300 to 900, a score above 750 is considered excellent and significantly enhances your chances of getting approved for loans and credit cards with favorable terms. But reaching a 750+ score is only half the battle — maintaining it consistently requires discipline, strategy, and financial awareness.
In this comprehensive guide, we’ll explore the best practices, common pitfalls, and expert tips to ensure you don’t just achieve a high credit score, but also sustain it over time.
Why Maintaining a High CIBIL Score is Crucial
Before diving into the how-to, let’s understand the advantages of maintaining a high CIBIL score:
- Better loan approvals: A score above 750 increases your chances of quick loan approvals.
- Lower interest rates: Financial institutions offer lower interest rates to individuals with excellent credit scores.
- Higher credit limits: A strong score often results in higher credit card and loan limits.
- Stronger financial profile: It builds trust with lenders, making you a low-risk borrower.
- Easier approval for rental agreements and job screenings: Some employers and landlords check credit scores as part of the background check.
Key Factors That Impact Your CIBIL Score
Understanding what goes into your credit score helps you manage it effectively. CIBIL uses the following criteria:
- Payment History (35%): Timely payments of EMIs and credit card bills are the most critical factor.
- Credit Utilization Ratio (30%): This reflects how much credit you use compared to your total limit.
- Credit Age (15%): Older credit accounts improve your score, as they show a longer track record.
- Credit Mix (10%): A balanced mix of secured (home, auto) and unsecured (credit cards, personal loans) credit is ideal.
- Hard Inquiries (10%): Frequent loan or credit applications can hurt your score due to multiple inquiries.
Step-by-Step Guide to Maintaining a 750+ CIBIL Score
Let’s break down the specific strategies you need to follow to maintain a high credit score consistently.
1. Pay Your Dues on Time, Every Time
Late payments are one of the fastest ways to hurt your CIBIL score. Even a single missed EMI or credit card bill can have a long-term impact.
How to Stay on Track:
- Set up auto-debit instructions for EMIs and credit cards.
- Use payment reminders on your phone or apps.
- Pay at least the minimum due, although full payment is always recommended.
2. Keep Your Credit Utilization Below 30%
If your total credit limit across cards is ₹1,00,000, try not to exceed ₹30,000 in monthly usage. High usage indicates dependency on credit, which lowers your score.
Pro Tip:
- Request for a credit limit increase (without increasing spending).
- Use multiple cards to distribute your expenses.
3. Avoid Multiple Loan Applications in a Short Period
Every time you apply for a credit card or loan, a hard inquiry is made on your report. Too many inquiries can indicate credit-hungriness, hurting your score.
What to Do Instead:
- Check your eligibility through soft inquiry tools.
- Space out your loan applications by at least 6 months.
4. Maintain a Healthy Credit Mix
A good combination of secured and unsecured loans shows that you can handle different types of credit responsibly.
Best Practices:
- Avoid only having credit card debt.
- Take a small secured loan (like a consumer durable loan) if your history is entirely unsecured.
5. Don’t Close Old Credit Cards Unnecessarily
Length of credit history matters. The older your accounts, the better your score.
What You Can Do:
- Keep older cards active with small, regular purchases.
- If you must close a card, choose the newest one, not the oldest.
6. Regularly Monitor Your Credit Report
Errors in your report, like incorrect outstanding balances or unauthorized accounts, can damage your score.
How to Monitor:
- Check your CIBIL report at least twice a year.
- If you see an error, dispute it immediately with the credit bureau.
7. Don’t Max Out Your Cards — Even Temporarily
Even if you pay the bill in full, using 90-100% of your credit limit at any point in the month can temporarily lower your score.
Smart Tip:
- Make mid-cycle payments to keep utilization low.
- Track spending weekly rather than monthly.
8. Be Cautious with Co-Signed or Joint Accounts
You are equally responsible for timely payments in joint accounts. If the other party defaults, your score suffers.
Suggested Approach:
- Only co-sign with someone you trust financially.
- Monitor the shared account regularly.
9. Avoid Settling Loans
A “settled” status on your credit report is a red flag for lenders. Even if you resolve a loan at a reduced amount, it will reflect poorly.
Better Alternatives:
- Request a restructuring of the loan with your lender.
- Opt for credit counseling or professional help before settlement.
10. Use Credit Responsibly, Not Sparingly
Having no credit activity at all can hurt your score. Use your credit card regularly — but wisely.
Example:
- Use it for recurring bills like mobile recharge, OTT subscriptions, or groceries.
- Always pay the full amount before the due date.
Common Mistakes That Pull Down Your Score
Many people unintentionally hurt their credit score by:
- Paying only the minimum due on credit cards regularly.
- Using too many BNPL (Buy Now, Pay Later) services without tracking them.
- Ignoring old loans thinking they’re closed without confirmation.
- Taking too many personal loans due to ease of approval.
Avoid these traps to maintain your credit health.
How Long Does It Take to Rebuild a Score If It Drops?
If your score drops below 750, don’t panic. Depending on the reason for the drop and your corrective actions, it may take:
- 3-6 months for minor issues like high utilization.
- 6-12 months for late payments or high inquiries.
- 12-24 months for defaults or settlements.
Consistency is key. The earlier you start corrective actions, the faster you’ll recover.
Benefits of Maintaining a 750+ Score for the Long Term
When you maintain a 750+ score consistently, you get more than just better credit cards and loans:
- Pre-approved offers for home, auto, or personal loans.
- Zero-collateral business loans or overdraft facilities.
- Negotiation power over interest rates.
- Peace of mind and financial confidence.
It’s not just a number. It’s a financial asset you build and protect.
What If You’re Struggling to Maintain the Score?
Despite your best efforts, if you find it difficult to maintain a high score due to previous defaults, mounting debts, or complex errors in your report, it’s time to seek professional help.
Get Expert Help from CrediBoost Solutions Pvt. Ltd.
At CrediBoost Solutions Pvt. Ltd., we specialize in helping individuals build, repair, and sustain excellent credit profiles. Whether you’re aiming to maintain your 750+ score or recover from a drop, our tailored credit repair and financial planning services are designed for lasting success.
Here’s How We Help:
✅ Personalized credit report analysis
✅ Identification of negative items dragging your score down
✅ Strategic action plans to improve or maintain your score
✅ Assistance in loan restructuring and dispute resolution
✅ Financial advisory for long-term credit health
✅ Tax planning and loan facilitation under one roof
We are your partners in building a financially secure future.
📞 Get in Touch Today!
📍 CrediBoost Solutions Pvt. Ltd.
🖥️ www.crediboost.in
📧 crediboostsolutions@gmail.com
📍 Lakhimpur, Assam-784160
Call- +91 7086962101
Whether you’re trying to unlock premium credit cards, secure a home loan, or just protect your financial reputation — we’ve got your back.
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