· ScoreUp Blog
Money advice for
real India.
No jargon, no judgment. Just clear writing about credit scores, loans, and personal finance — in plain English.
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Credit Score
How to improve your CIBIL score by 80 points in 90 days
Most people think their credit score is fixed. It's not. Here are the 5 exact steps that actually move the needle — fast.
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Loan Settlement
How to settle your personal loan at 40–60% of the outstanding balance
Banks will negotiate. Most people just don't know how to ask. Here's the exact script and process for a one-time settlement.
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Home Loans
Home loan balance transfer: when it makes sense and how to do it
Even a 0.5% rate cut can save you ₹2–4L over the loan tenure. Here's how to calculate if a transfer is worth it for you.
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Credit Cards
How to find the right credit card for your spending pattern in India
Cashback vs rewards vs travel miles — the best card depends entirely on where you spend. Here's a simple framework.
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Credit Score
Credit utilisation ratio: the single biggest lever for your CIBIL score
Keep this number below 30% and your score will climb. Here's what it means, how it's calculated, and how to manage it.
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Loans
Personal loan vs top-up home loan: which is cheaper for you?
Top-up loans on a home loan are often 2–3% cheaper than personal loans. But there are traps. Here's the full comparison.
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