Regular repayments, careful borrowing and better management of existing debt can gradually strengthen your credit profile. CIBIL score is an essential aspect of a financial profile. Lenders use it to determine an individual’s creditworthiness. CIBIL score is a three-digit number between 300 to 900, with a higher. If you discover unauthorised inquiries on your credit report from CIBIL or any other credit bureau while reviewing it, it’s important to take immediate action.