Can I fix my credit score?

Yes, you can fix and improve your credit score through disciplined financial habits. While it cannot be fixed instantly, consistent efforts over 3 to 12 months show results. Key steps include:

• Paying all loan EMIs and credit card bills on time.
• Keeping credit card utilization below 30%.
• Checking your credit report for errors and raising disputes with bureaus like CIBIL if inaccuracies are found.
• Avoiding multiple new credit applications in a short period.
• Maintaining old credit accounts to build a long credit history.