A 650 CIBIL can push home loan rate up by 50 bps. Our 6-month roadmap: (1) secured credit card ₹50 k limit, 30% utilisation, (2) repay high-interest personal loan, (3) goodwill deletion letter for settled dues, (4) become co-applicant parent with 800+ score, (5) add rent payment via CreditVidya bureau. Expected lift: 80–100 points. On ₹60 L loan, 50 bps reduction saves ₹6.8 L interest. Timeline: month-3 check-up, month-6 fresh score, apply loan. Keywords: improve CIBIL fast, home loan score 750, credit repair tips.