50+ Lenders
Answer 8 quick questions and get your free, personalized CIBIL improvement plan with exact score projections.
Tell us about your situation. We generate a personalized roadmap — with score projections, priority actions, and a month-by-month plan.
Answer 8 quick questions. Get a 100% free, personalized CIBIL roadmap — with your exact score projection, priority actions & month-by-month plan.
Drag the slider to your current score — we'll show your tier and what to do next.
Score Tier
Fair
Next Goal
Good (700+)
Est. Time
6–12 months
Click any step to expand specific actions you can take today.
Payment history is the biggest factor in your CIBIL score (35% weightage). Even a single missed EMI can drop your score by 50–100 points. Set standing instructions for auto-debit from your bank.
Action Steps
If your credit card limit is ₹1 lakh, never use more than ₹30,000. High utilisation signals credit hunger to bureaus. You can request a limit increase to lower utilisation without spending more.
Action Steps
Every loan application triggers a hard inquiry which temporarily lowers your score by 5–10 points. Use PaisePe to check eligibility without triggering hard inquiries.
Action Steps
Credit history length accounts for 15% of your score. Closing old credit cards reduces your average credit age and available limit. Keep them active with small transactions.
Action Steps
Errors in credit reports are common — wrong account details, incorrect defaults, or fraudulent accounts. Dispute errors immediately with the bureau to get them corrected.
Action Steps
Having both secured (home/car loan) and unsecured (personal loan/credit card) credit shows lenders you can manage different types responsibly. A healthy mix improves your profile.
Action Steps
Accounts in "settled" or "written off" status severely damage your score. Contact lenders to settle outstanding dues. This stops further damage and begins the recovery process.
Action Steps
A CIBIL score is built over months and years, not days. With consistent good habits, most people see meaningful improvement within 3–6 months.
Action Steps
How long it realistically takes based on where you start — with consistent, expert-guided habits.
5,000+
Members helped
4.8★
Avg. rating
92%
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Not sure where to start?
Our experts review your report and give you a personalised roadmap — all for just ₹49/month.
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Expert credit guidance that could save you lakhs in interest.
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What's Included
Personalized Video Guidance
A certified expert walks through your actual credit report and explains every entry in plain language.
1 on 1 Consultation
Get direct access to a credit advisor who builds a personalised improvement roadmap just for you.
24 × 7 Chat Support
Our support team is always online — instant answers, any time of day or night.
5,000+
Members
4.8★
Rating
3–6mo
Avg. result
“My score jumped from 582 to 741 in 5 months. The 1-on-1 session was the turning point — my advisor spotted 2 errors I never knew existed.”
Rahul M.
PaisePe Expert Plan member
With consistent good habits — on-time payments, low credit utilisation — most people see meaningful improvement in 3–6 months. Starting from Poor (300–549) typically takes 12–24 months of sustained effort.
A score of 750+ is considered excellent and qualifies you for the best loan rates and highest approval chances. 700–749 is good, 650–699 is fair, and below 650 is considered poor by most lenders.
No. Checking your own score is a "soft inquiry" and has zero impact on your credit score. Only lender-initiated "hard inquiries" — triggered when you apply for a loan or credit card — affect it.
The plan includes personalised video guidance on your specific credit report, 1-on-1 consultation with a certified credit advisor, and 24×7 chat support. No hidden charges and you can cancel anytime from your dashboard.
Yes, but it takes more time. Pay off remaining dues, obtain a No Objection Certificate (NOC) from the lender, and maintain consistent good behaviour. The "settled" tag may stay for up to 7 years, but its negative impact fades significantly over time.
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