Introduction
A 600 score is fixable. It often stems from issues that can be addressed directly.
How CIBIL Score Is Calculated
- Payment History: 35%
- Utilisation: 30%
- Credit Age: 15%
- Enquiries: 10%
- Recency: 10%
Phase 1: Days 1-30 Stop the Bleeding
Week 1: Pull report and find errors (Credit Audit)
Week 2: Bring accounts to zero DPD.
Week 3: Optimise utilisation below 30%.
Week 4: Stop applying for new credit.
Phase 2: Days 31-60 Build Positive History
Week 5-6: Get a secured credit card from leading banks.
Week 7: Diversify credit mix.
Week 8: Follow up on disputes (Dispute Filing)
Phase 3: Days 61-90 Consolidate
Week 9-10: Keep discipline.
Week 11: Check for old entries.
Week 12: Measure and adjust with expected score ranges.
What If 90 Days Is Not Enough?
If you have multiple charge-offs or active collections, the timeline extends, but consistent effort pays off.
Five Levers Quick Reference
- Payment History (High Impact, Slow)
- Credit Utilisation (High Impact, Fast)
- Credit Age (Medium Impact, Slow)
- Credit Mix (Medium Impact, Medium Time)
- New Credit Inquiries (Low Impact, Fast)
How CredAnchor Can Help
We charge per trade line. We handle everything from audits to disputes.
Get Your Credit Audit
Think something on your report is wrong?
Our audit is free and we price per trade line — not per month. If a dispute we file doesn't resolve in your favour, you get that fee back.