Step-by-Step Way to Get Your First CIBIL Score

Are you new to credit? This guide shows you how to get your first CIBIL score and establish a strong credit history.

Follow these steps to begin:

Get a Secured Credit Card

Begin with a credit card backed by a fixed deposit. Banks issue these cards, and they help you build credit.

Get a Small Consumer Loan

Purchase a phone or appliance through EMI and pay on schedule. This action demonstrates credit activity.

Make All EMI Payments on Time

Regularity matters most. Even a single late payment can damage your Cibil Score in the early stages.

Keep an Eye on Your CIBIL Report

Review your report after 3–6 months. Your first score appears once the report shows activity.

Limit Your Credit Applications

Numerous credit inquiries at the start might raise concerns. 

Suggested Read: Different Credit Score Ranges and What They Mean