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Notes from the negotiation desk

What we learn arguing with lenders every day, written down so you can borrow smarter.

Credit ScorePersonal Finance

Six moves that lift your CIBIL score before a big loan application

Three to six months of deliberate credit behaviour can move your score enough to change your interest slab. Here is the exact sequence our advisors use.

Vikram Mehta · 10 Jul 2026 6 min read

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