Hey guys, my credit history is very short and I didn't know much about cibil score and it's importance so I overlooked it but now I am a working professional and wants a credit card but bank always denied it they my cibil score is low and when I checked it it shows 2 loans but I had never taken those loans and when I tried looked for it then I find 2 buy now pay later loans which emi I already paid back. But there is still 2 loans which I had never taken. Now they are closed and after closing those accounts my cibil score still only reached 684 which is low according to banks so can you please what should I do