How can I build my credit score fast?

To build your credit score fast in India, follow these essential practices:

• Pay all EMI and credit card bills on time, as payment history is the most critical factor.
• Maintain a low Credit Utilization Ratio, ideally below 30 percent of your total limit.
• Avoid applying for multiple new credit cards or loans in a short period to prevent frequent hard inquiries.
• Monitor your credit report regularly and dispute any errors with bureaus like CIBIL.
• Keep older credit accounts open to maintain a longer credit history.