I have a low cibil score 644. This was last year. Primarily because of 2 credit cards.

I had citibank cc with outstanding of rs 1000/- of principal. And stan chartered cc with rs.300/- (principal-0, cheque bounce charges-300). This was in jan 2008.

i had paid the dues in 2010 for citibank and got NDC but it shows POST(WRITE OFF) SETTLED.

i tried to resolve scb but they were asking for absurd amount. I went to banking ombudsman and they now agree to update the cicil with NO DUES. This will happen in next 45 days.

i have auto loan which is completed settled without any missed emi

i have od limit againt fd in SBP under which the balance is 0. Not updated in cibil.

I have two sbi credit cards which have never been used but they are active in cibil. Balance is 0.

i took auto loan which i have settled last month, 1 year in advance. This does not reflect in cibil.

i have home loan from hdfc bank for which i have never missed any emi. Updated in cibil

i took another home loan end of last year fro. Hdfc bank. This is after i took out cibil score.

the question is: after scb update and SBP update, will my cibil score go up.and by how much or i would have to take fd linked cc to make it go up.