How can I boost my credit score?

To boost your credit score, you must maintain disciplined financial habits and consistently follow these steps:

• Pay your credit card bills and loan EMIs on or before the due date.
• Keep your credit utilization ratio below 30 percent of your total credit limit.
• Avoid applying for multiple loans or credit cards in a short span to limit hard inquiries.
• Maintain a healthy mix of secured and unsecured credit accounts.
• Regularly monitor your credit report for errors and raise disputes for any inaccuracies.

These practices generally show results within three to six months.