{"id":20141,"date":"2023-01-22T22:59:59","date_gmt":"2023-01-22T17:29:59","guid":{"rendered":"https:\/\/test-blog.unicreds.com\/blog\/?post_type=web-story&#038;p=20141"},"modified":"2023-01-22T23:00:03","modified_gmt":"2023-01-22T17:30:03","slug":"top-factors-affecting-your-cibil-score","status":"publish","type":"web-story","link":"https:\/\/unicreds.com\/blog\/web-stories\/top-factors-affecting-your-cibil-score\/","title":{"rendered":"Get Ahead with a High CIBIL Score: The Top Factors to Address"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link href=\"https:\/\/fonts.googleapis.com\/css2?display=swap&amp;family=Poppins%3Awght%40400%3B700\" rel=\"stylesheet\"\/><link 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poster-portrait-src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225103\/CIBIL-Score.jpg\"><amp-story-page id=\"a1c8d8fc-76bc-4bd6-b174-263003292593\" auto-advance-after=\"7s\"><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-18bd7c9e-821a-4471-9a30-b0219c634fd6\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225505\/1-12.jpg\" alt=\"cibil\" srcSet=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225505\/1-12.jpg 720w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225505\/1-12-576x1024.jpg 576w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225505\/1-12-480x853.jpg 480w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225505\/1-12-169x300.jpg 169w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225505\/1-12-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:10.92233%;top:49.51456%;width:78.64078%;height:25.72816%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6172839506172839% 0.6172839506172839% 0.6172839506172839% 0.6172839506172839% \/ 1.257861635220126% 1.257861635220126% 1.257861635220126% 1.257861635220126%;background-clip:content-box;background-color:#ffee70\" id=\"el-3305b825-2860-4f73-8aac-dfb443169f8e\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9259259259259258% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:1.2345679012345678% 2.4691358024691357%;color:#000000\"><span><span style=\"font-weight: 700\">Get Ahead with a High CIBIL Score: The Top Factors to Address<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"cd7f1df0-e987-4a22-a565-9d93773e4061\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-93e64bab-5a70-4e64-b9df-2a1cb74139f8 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)\",\"translate3d(0%, 0, 0) translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-179b5be7-9643-4ae3-8021-cc44f3fb7d59\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -286.26779%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -80.498502548%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -27.367200724%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -10.277013661%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -4.465777524%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-93e64bab-5a70-4e64-b9df-2a1cb74139f8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-4cc9728e-31ae-4d13-b1f0-9ffaaef65993\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11.jpg\" alt=\"cibil\" srcSet=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11.jpg 720w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11-576x1024.jpg 576w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11-480x853.jpg 480w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11-169x300.jpg 169w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:10.92233%;top:49.51456%;width:78.64078%;height:31.5534%;opacity:1\">\n<div id=\"anim-179b5be7-9643-4ae3-8021-cc44f3fb7d59\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -286.26779%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6172839506172839% 0.6172839506172839% 0.6172839506172839% 0.6172839506172839% \/ 1.0256410256410255% 1.0256410256410255% 1.0256410256410255% 1.0256410256410255%;background-clip:content-box;background-color:#ffee70\" id=\"el-3c104819-5723-4872-aeb5-9b81cb8a056a\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9259259259259258% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:1.2345679012345678% 2.4691358024691357%;color:#000000\"><span>1. Payment history: Late or missed payments can negatively impact a score.<\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"f27bdb35-0caa-4e61-9a6e-cb5091d78988\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-bc1b703e-599c-4f71-bce4-c2e69df9e7df [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)\",\"translate3d(0%, 0, 0) translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-da385931-713d-4942-bba4-aa1da1e8a932\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -286.26779%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -80.498502548%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -27.367200724%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -10.277013661%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -4.465777524%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-bc1b703e-599c-4f71-bce4-c2e69df9e7df\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-19948edc-31e5-45f6-81c7-fda1054b0dca\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225629\/3-9.jpg\" alt=\"cibil\" srcSet=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225629\/3-9.jpg 720w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225629\/3-9-576x1024.jpg 576w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225629\/3-9-480x853.jpg 480w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225629\/3-9-169x300.jpg 169w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225629\/3-9-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:10.92233%;top:49.51456%;width:78.64078%;height:31.5534%;opacity:1\">\n<div id=\"anim-da385931-713d-4942-bba4-aa1da1e8a932\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -286.26779%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6172839506172839% 0.6172839506172839% 0.6172839506172839% 0.6172839506172839% \/ 1.0256410256410255% 1.0256410256410255% 1.0256410256410255% 1.0256410256410255%;background-clip:content-box;background-color:#ffee70\" id=\"el-a876c223-a94b-4602-9251-da697eb1622e\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9259259259259258% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:1.2345679012345678% 2.4691358024691357%;color:#000000\"><span>2. Credit utilization: A high balance relative to the credit limit can lower a score.<\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"bd77db58-edfc-47a7-b858-1eac84e17e21\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-97e6945d-9495-43cf-8c5a-c8735531282f [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)\",\"translate3d(0%, 0, 0) translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b0ce9483-70c5-4dfe-b224-98027d96c70a\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -286.26779%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -80.498502548%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -27.367200724%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -10.277013661%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -4.465777524%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-97e6945d-9495-43cf-8c5a-c8735531282f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-ab81d2a7-1b82-4bd5-afe5-1bc489ef4350\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225645\/4-9.jpg\" alt=\"cibil\" srcSet=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225645\/4-9.jpg 720w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225645\/4-9-576x1024.jpg 576w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225645\/4-9-480x853.jpg 480w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225645\/4-9-169x300.jpg 169w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225645\/4-9-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:10.92233%;top:49.51456%;width:78.64078%;height:31.5534%;opacity:1\">\n<div id=\"anim-b0ce9483-70c5-4dfe-b224-98027d96c70a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -286.26779%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6172839506172839% 0.6172839506172839% 0.6172839506172839% 0.6172839506172839% \/ 1.0256410256410255% 1.0256410256410255% 1.0256410256410255% 1.0256410256410255%;background-clip:content-box;background-color:#ffee70\" id=\"el-7a086771-60b8-4586-b1fe-ab073d29508b\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9259259259259258% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:1.2345679012345678% 2.4691358024691357%;color:#000000\"><span>3. &nbsp;Length of credit history: A longer credit history can help to improve a score.<\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"d07f8c91-7dd5-4257-a2f8-e05bf9ec5a01\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-1fa83e95-e2fa-4168-bad2-b4c74231bd2e [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)\",\"translate3d(0%, 0, 0) translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-aaa535c2-2011-4a1c-85b8-101a029a6a2a\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -329.8875%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -92.764365%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -31.537245%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -11.84296125%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -5.1462449999999995%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-1fa83e95-e2fa-4168-bad2-b4c74231bd2e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-45ba98f2-cc05-418f-9a4f-0f56201cbd3f\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225659\/5-8.jpg\" alt=\"cibil\" srcSet=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225659\/5-8.jpg 720w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225659\/5-8-576x1024.jpg 576w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225659\/5-8-480x853.jpg 480w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225659\/5-8-169x300.jpg 169w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225659\/5-8-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:10.92233%;top:49.51456%;width:78.64078%;height:25.56634%;opacity:1\">\n<div id=\"anim-aaa535c2-2011-4a1c-85b8-101a029a6a2a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -329.8875%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6172839506172839% 0.6172839506172839% 0.6172839506172839% 0.6172839506172839% \/ 1.2658227848101267% 1.2658227848101267% 1.2658227848101267% 1.2658227848101267%;background-clip:content-box;background-color:#ffee70\" id=\"el-9e7ef7e4-39fe-4441-bf17-e230d412f643\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9259259259259258% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:1.2345679012345678% 2.4691358024691357%;color:#000000\"><span>4. Credit inquiries: Too many recent credit inquiries can lower a score.<\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"7b8ddd59-76dc-4164-af08-7650b44bb2be\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9a10c46c-ba63-49d7-b14a-5fd843560147 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)\",\"translate3d(0%, 0, 0) translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3fd5292d-c9ac-45f0-baa3-4a456774aa12\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -329.8875%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -92.764365%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -31.537245%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -11.84296125%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -5.1462449999999995%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-9a10c46c-ba63-49d7-b14a-5fd843560147\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-317d9bcb-041f-4efa-8802-6b73b39f3ff0\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225722\/6-8.jpg\" alt=\"cibil\" srcSet=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225722\/6-8.jpg 720w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225722\/6-8-576x1024.jpg 576w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225722\/6-8-480x853.jpg 480w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225722\/6-8-169x300.jpg 169w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225722\/6-8-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:10.92233%;top:49.51456%;width:78.64078%;height:25.56634%;opacity:1\">\n<div id=\"anim-3fd5292d-c9ac-45f0-baa3-4a456774aa12\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -329.8875%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6172839506172839% 0.6172839506172839% 0.6172839506172839% 0.6172839506172839% \/ 1.2658227848101267% 1.2658227848101267% 1.2658227848101267% 1.2658227848101267%;background-clip:content-box;background-color:#ffee70\" id=\"el-577d96a4-1945-4143-a729-7c95794d8f7f\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9259259259259258% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:1.2345679012345678% 2.4691358024691357%;color:#000000\"><span>5. Outstanding debt: High levels of outstanding debt can lower a score.<\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"78ea072f-ff6b-435b-a684-21192a967f92\" auto-advance-after=\"7s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-5d989a6f-a4e3-4e5b-911b-30b615f63ef7 [data-leaf-element=\\\"true\\\"]\",\"keyframes\":{\"transform\":[\"translate3d(0%, 0, 0) translate(25%, 0%) scale(1.5)\",\"translate3d(0%, 0, 0) translate(0%, 0%) scale(1)\"]},\"delay\":0,\"duration\":2000,\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-017cd1d9-ec5b-43fe-b001-308dc5b7cbc0\",\"keyframes\":[{\"offset\":0,\"transform\":\"translate3d(0, -329.8875%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.29,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.45,\"transform\":\"translate3d(0, -92.764365%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.61,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.71,\"transform\":\"translate3d(0, -31.537245%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.8,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.85,\"transform\":\"translate3d(0, -11.84296125%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":0.92,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"},{\"offset\":0.96,\"transform\":\"translate3d(0, -5.1462449999999995%, 0)\",\"easing\":\"cubic-bezier(.5, 0, 1, 1)\"},{\"offset\":1,\"transform\":\"translate3d(0, 0%, 0)\",\"easing\":\"cubic-bezier(0, 0, .5, 1)\"}],\"delay\":0,\"duration\":600,\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#fff\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div id=\"anim-5d989a6f-a4e3-4e5b-911b-30b615f63ef7\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2b869cf7-1a09-4815-b5e0-ff98a67ae382\">\n<div style=\"position:absolute;width:100%;height:100%;left:0%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11.jpg\" alt=\"cibil\" srcSet=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11.jpg 720w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11-576x1024.jpg 576w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11-480x853.jpg 480w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11-169x300.jpg 169w,https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2023\/01\/22225614\/2-11-150x267.jpg 150w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:10.92233%;top:49.51456%;width:78.64078%;height:25.56634%;opacity:1\">\n<div id=\"anim-017cd1d9-ec5b-43fe-b001-308dc5b7cbc0\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0, -329.8875%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6172839506172839% 0.6172839506172839% 0.6172839506172839% 0.6172839506172839% \/ 1.2658227848101267% 1.2658227848101267% 1.2658227848101267% 1.2658227848101267%;background-clip:content-box;background-color:#ffee70\" id=\"el-03b8542e-805e-47ae-8368-4451701a64e5\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.9259259259259258% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.485437em;line-height:1.2;text-align:center;padding:1.2345679012345678% 2.4691358024691357%;color:#000000\"><span>To know the effective ways to Improve your Cibil Score<\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-page-outlink layout=\"nodisplay\" cta-image=\"https:\/\/cdn.unicreds.com\/blog\/wp-content\/uploads\/2021\/08\/28141824\/dylan-gillis-xKmXZ4Fv63w-unsplash-min-scaled.jpg\"><a href=\"https:\/\/unicreds.com\/blog\/ways-to-improving-your-cibil-score\" rel=\"\">Click Here<\/a><\/amp-story-page-outlink><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Get Ahead with a High CIBIL Score: The Top Factors to Address<\/p>\n","protected":false},"author":91,"featured_media":20142,"template":"","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","web_stories_publisher_logo":12573,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[],"web_story_tag":[],"class_list":["post-20141","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site 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