How to improve my CIBIL Credit Report, which I ruined due to non payment of Credit Card dues?

I had Credit Cards from 5 banks (ICICI, SBI, PNB, AXIS and Stan Chart Bank) and always paid ontime. In May-2011, I lost my father and also lost my IT job due to recession. During this time period I had depended on the Credit Cards and the balances on credit cards, which could not be paid and now reflects in my CIBIL Credit Report. Thanks for god grace, now I am back in job and in credit. In May 2012, I have settled the all the CC outstanding amount but the credit rating is not getting better.

Please guide what should I do to improve my CIBIL ratings?

Thanks,
CSI

1- Details your your current loan account will stay till 7 years unless your lender (CC company) makes any change in it.
2- If you use credit card then make sure you keep low balance. This will improve your CIBIL score and report.
3- I don't recommend loans except home loan.
4- In case you need a new loan and you are having difficulty because of the 'defaulter' tag, you can try explaining reason for the default to the prospective new lender.
5- It will take years to build your credit history again. Don't dream of changing in a day or months.

Some Tips to Improve your CIBIL Report:
1. Credit report checking frequency
2. Constant applications for credits
3. Timely payments
4. Signatory or joint applications

Paying your debts on time and maintaining good credit history can improve your credit score.