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![Finance_Bareek Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::783308507869093888.png) CA Nitin Kaushik [@Finance_Bareek](/creator/twitter/Finance_Bareek) on x 4717 followers
Created: 2025-07-27 13:38:01 UTC

💡 Bottom Line:

Your credit score isn’t about being debt-free — it’s about showing you can handle credit when you use it.
Smart, small steps can build your score faster than years of inactivity.

If your CIBIL score feels unfairly low — now you know why. And how to fix it.


XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1949464294032298231/c:line.svg)

**Related Topics**
[faster](/topic/faster)
[credit scores](/topic/credit-scores)
[default risk](/topic/default-risk)

[Post Link](https://x.com/Finance_Bareek/status/1949464294032298231)