Borrowers with 3–5 personal loans and multiple credit cards usually end up showing high fragmented utilisation and volatility. Consolidating all liabilities into a single lower EMI loan reduces default friction points, lowers average monthly interest drain and compresses utilisation volatility on bureau reporting. This can help lift the score by 25-40 points over 6-8 months. Consolidation also simplifies cash flow planning and reduces the probability of accidental missed repayments which damage payment history weightage permanently.