By regularly reviewing your CIBIL score you can identify and report anomalies in your credit records. Any information not recorded in your credit history, or incorrectly recorded should be reported by submitting a CIBIL Dispute Resolution Form. Incorrect information can reduce your CIBIL score and by reviewing it regularly you can make sure that you are not leaving anything to chance. Apart from building a strong CIBIL score, you should also look at other finer aspects of your loan requirement and preparedness. Based on your budget and financial plan, identify when and how much loan you would need. Accordingly, keep the documents to ensure smooth disbursal of loan to you. Consult your financial planner or CA for expert advice on your debt requirement and plans. Lastly, choose a lender who offers you a competitive rate and is willing to offer you tailor-made loan products in a seamless and convenient manner.