Your CIBIL score is your financial reputation, determining your ability to secure loans and credit cards at favorable terms. Yet, hidden mistakes like missing payments, applying for too many loans, high credit utilization, credit report errors, and settling loans instead of closing them can ruin your score. This guide uncovers these pitfalls and provides actionable steps to protect and improve your credit score, ensuring financial stability. Avoid these mistakes, check your credit score regularly, and take control of your financial future!