679 CIBIL Score

679 CIBIL Score: Simple Tips to Improve and Secure Better Financial Options
CHECK SCORE
679 CIBIL Score
CHECK SCORE
3 mins read
18-Feb-2025

679 CIBIL Score: Is it Good or Bad?

A 679 CIBIL score is considered average and is on the brink of the "good" range. It reflects moderate creditworthiness, meaning lenders may approve your loan or credit card applications but with higher interest rates and stricter repayment conditions. While not a poor score, it highlights room for improvement to qualify for better financial products. Aiming for a score above 700 is essential to secure favourable terms and premium financial opportunities. Consistent financial discipline, such as timely repayments and maintaining a low credit utilisation ratio, can help boost your credit score and improve your eligibility for credit.

How to improve your 679 CIBIL Score?

Improving a 679 CIBIL score requires disciplined financial management. Pay all EMIs, credit card bills, and other dues on time, as timely payments positively impact your score. Keep your credit utilisation ratio below 30% to reflect responsible borrowing habits. Avoid frequent applications for credit, as multiple hard inquiries can reduce your score. Regularly review your CIBIL report to check for errors and address discrepancies promptly. Building a balanced credit portfolio with secured and unsecured loans further strengthens your profile. By practising these habits consistently, you can raise your score above 700, enabling you to access better financial products and terms.

How does a 679 CIBIL Score impact interest rates?

A 679 CIBIL score can lead to higher interest rates, as lenders may view it as a moderate-risk score. While you can qualify for loans or credit cards, the borrowing costs are often higher compared to individuals with scores above 750. To secure better interest rates and terms, work on improving your score by making timely payments, maintaining low credit utilisation, and avoiding frequent credit applications. A higher score signals financial reliability, encouraging lenders to offer lower rates and more favourable conditions. Consistent credit management ensures better financial opportunities and lower overall borrowing costs.

Frequently asked questions

Is 679 CIBIL score good?
A 679 CIBIL score is average but not classified as good. It reflects moderate creditworthiness, allowing access to credit with less favourable terms. To improve your financial opportunities, aim for a score above 700 by practising disciplined financial habits.

Is 679 credit score bad?
A 679 credit score is not bad but falls short of the "good" range. It indicates moderate credit risk, which may result in higher interest rates. Improving your score through timely payments and responsible credit usage can help you access better financial products.

Can I get a 679 credit card with?
Yes, you can get a credit card with a 679 score, but your choices may be limited to basic cards with fewer benefits. Premium cards often require higher scores. Improving your score above 750 through disciplined credit behaviour can help you qualify for better credit card options.

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