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How I Hit 750 Credit Score with a Personal Loan!


A good credit score makes you eligible for the best interest rates, and tenures for loans. It also helps you avail attractive benefits on insurance. But having a low credit score is not a dead end for your financial status. Keep reading to know how our client increased his credit score above 750 with a personal loan.


Before we jump into my story of reaching more than 750 credit scores, let’s first understand what a credit score is.

A credit score is a number ranging from 300 to 900. It reflects your financial behaviour and your potential as a borrower. The higher your credit score, the more credible or trustworthy you are as a borrower. Your credit history is the key factor that determines your credit score. It includes your total debts, repayment history, and several other factors.

A 750 credit score is considered above average. If your credit score exceeds 750, lenders will likely offer you loans at lower interest rates and a reasonable tenure.

My Story

Now that you know what a credit score is, let’s dive into how I turned the tables on my credit score.

Im Kushal Verma, an investment broker from Mumbai. I knew could make money, but somehow lost direction and caught up in the whirlwind of the stock market crash. Was fighting to survive. My credit score kept oscillating between 500 to 599. A 750 credit score seemed unattainable to me.

My business in online trading was going wrong. My burnt luck served me nothing but huge losses. I had to resort to loans twice a year to pay my credit card bills. My debt amount hit a whopping 78 lakhs. I was even refused a loan of INR 50,000 from banks owing to my bad credit score. Everything went downhill for me.

How I recovered my credit score

I sold whatever shares I had at half a price. It was a loss I needed to incur to pave my way to financial stability and a better credit score. Soon after, I applied for a collateral-free personal loan via Buddy Loan. Within 48 hours my loan application was approved and sanctioned by a nationalised bank. I kept a portion of the loan amount aside as an asset.

Thanks to it, I was able to reap the interest from that asset and used it as a safety net to cushion my survival. After that, things began to change for the better. I used the rest of the loan amount to consolidate my debt while my salary covered credit card bills and other expenses.

Financial growth

With one step at a time, I fixed my finances. It took me around three years to achieve complete financial stability. Now, my story has changed. My current credit score is 769. My journey to a good credit score was not easy, but it was so worth it.


Reaching a CIBIL score above 750 may seem daunting if your current score is too low, but anybody can achieve it with proper financial strategies and calculated expenses.

A personal loan in time of dire need saved me from going bankrupt. If you use it strategically, it can be your saviour as well. Thanks to credible online loan aggregators like Buddy Loan. It is now much easier to get personal loans approved with minimal hassle and interest rates as low as 11.99%. Apply for a personal loan at Buddy Loan with just a few clicks! If you have any queries regarding your credit score, drop them in the comments below, and we can help you out.

You can also reach out to us at – [email protected]

Master James, a versatile wordsmith, possesses an unparalleled ability to delve into the depths of the General Niche, exploring a myriad of topics with finesse. His literary prowess extends across the vast tapestry of the USA, crafting engaging narratives that captivate readers from coast to coast. With a keen eye for detail and a passion for knowledge, Master James weaves together insightful perspectives on a broad spectrum of subjects, creating a literary landscape that mirrors the rich diversity of the American experience.

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