A normal CIBIL score is really good for a small or basic loan. But it is not the best choice when you need a low interest rate or a quick approval. An excellent score can give you more power as a borrower. It helps you get better deals, higher limits, and faster approvals.
Through this guide, you will learn how to improve your normal CIBIL score to an excellent one. You can also learn about how platforms like Olyv can help you track and improve your score with smart tools.
What Is a Normal CIBIL Score?
A CIBIL score ranges between 300 and 900. And from that, a normal CIBIL score usually falls between 650 and 700. It is not bad, but it is not good either.
Why do lenders call it “normal”?
- You have some repayment history
- You may have faced some late payments in the past
- You may have used credit heavily
- You may have new or limited credit accounts
Why should you improve it?
- Better loan interest rates
- Quick loan approvals
- Higher loan amounts
- Better credit card offers
Score Range Table
| Score Range | Rating | What It Means |
| 300–649 | Poor | Very risky for lenders |
| 650–700 | Normal CIBIL score | Needs improvement |
| 701–749 | Good | Fair chances of loan approval |
| 750–900 | Excellent | Best benefits and low interest rates |
How to Upgrade From a Normal Score to an Excellent Score
1. Timely Payments of All Bills
This is the most important factor of all. Payments made after the due date can quickly lower your score.
The solution is,
- Set reminders
- Enable Auto-debit
- Pay before the due date
2. Lower Your Credit Card Balance
Having a high utilisation indicates to lenders that you are too dependent on credit. So, use below 30% of your credit limit.
For example, if your credit limit is ₹50,000, then use not more than ₹15,000.
3. Let Your Old Credit Accounts Be Active
Old accounts mean that you have a long and stable history.
Do not close the accounts for
- Old credit cards
- Old loans that are already repaid
They add trust.
4. Don’t Apply for Multiple Loans
A lender checks your report every time you apply for a loan. Too many checks can reduce your score. Only apply when it is really necessary.
5. Always Keep an Eye on Your Credit Report
You should always look out for mistakes in your report. Even a small error can lead to a normal CIBIL score being lowered.
Common mistakes are,
- Wrong entries of loans
- Incorrect details about the person
- Loans that are paid off are shown as active
- Duplicate accounts
You can easily keep track of and monitor your reports on a single screen with platforms like Olyv.
6. Have Different Types of Credit
A good credit mix will include,
- One credit card
- One personal loan
- One long-term loan (car or home loan)
It signifies your ability to borrow in a balanced way.
7. Completely Clear Out All Dues
If you have,
- Pending EMI payments
- Unpaid credit card balances
- Old loans that have been overdue
Clear them one by one. Begin with the debt that has the highest interest rate.
This will quickly boost your normal CIBIL score.
How Long Does It Take to Improve Your Score?
With consistent effort and tools like Olyv, the process becomes faster and easier.
| Improvement Level | Time Taken |
| Small improvement (20–30 points) | 1–2 months |
| Medium improvement (50–70 points) | 3–6 months |
| Major jump (100+ points) | 6–12 months |
Bonus Tips to Reach an Excellent Score
- Never push your card to the limit
- Always pay more than the minimum amount due
- Stay away from loans that are not needed
- Always monitor your credit report for errors
- Develop consistent financial behaviour
Mistakes That Are Common And Result In A “Normal” Score
- Paying EMIs after the due date
- Not checking the credit report
- Using more than 50% of the card limit
- Frequently changing credit cards
- Applying for too many loans at once
Avoiding these helps you move from a normal CIBIL score to an excellent one effortlessly.
Things To Do Before You Make An Attempt To Improve Your Score
- Update PAN, Aadhar and mobile phone number regularly
- Make sure you pay all EMIs on or before the due date
- Limit use of credit cards
- Keep one credit account open for a long time
- Check your credit score every month
- Report any mistakes at once
Conclusion
Improving your normal CIBIL score to an excellent score is completely possible with simple and steady steps. Pay bills on time, reduce card usage, avoid unnecessary loans, and track your report regularly. Small habits create big results over time. A strong score gives you better loan options, lower interest rates, and a more secure financial future.
