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

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