Pay EMIs and Credit Card Bills on Time
Settlement of a loan means paying a lesser amount to close the loan when you can’t repay the full amount
Keep Credit Utilization Below 30%
A written-off loan means the bank has marked the loan as unpaid and closed it in their records, but you still owe the money
Maintain a Healthy Credit Mix
A written-off suit-filed loan means the bank marked the loan as unpaid and also took legal action to recover the money
Check Your CIBIL Report Regularly
Wrong entry and profile mismatch in a CIBIL report means incorrect loan details or someone else’s information is showing in your credit report
