Hi, I’m Pritam Kumar, the creator of ImproveCibil.com — your go-to resource for practical, honest, and easy-to-follow advice on improving your credit score in India.
With over 5 years of experience in the financial services industry, I’ve worked closely with thousands of home loan applicants during my time at DCB Bank and Home First Finance. As a Deputy Access Manager, I saw firsthand how low CIBIL scores hold people back from achieving their financial goals — especially when it comes to getting approved for a loan or a credit card.
That’s what inspired me to start ImproveCibil.com.
I’ve combined my insider experience with real-world strategies to help you:
• Understand how CIBIL scores actually work
• Fix common credit mistakes
• Build and maintain a healthy credit profile
• Navigate loans and approvals with confidence
I also hold an MBA from Parul University and have continued to upskill in user experience strategy and digital finance — which helps me explain complex financial topics in a simple, user-friendly way.
This blog is for everyday people — whether you’re building credit for the first time, repairing your score after a dip, or just want to stay ahead financially.