Hi guys, I am struggling to improve my cibil score. I have settled my credit cards in the past due to financial issues and even I haven't payed on time multiple times due to which my credit score has dropped drastically. I earn around 2 lakhs now per month. How do I improve my cibil score quickly. I have pending balance of around 4 lakhs. I am trying to take loan but keeps rejecting due to less cibil. Please suggest ok this. Thankyou.

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