How do I fix my credit score myself?

You can improve your credit score on your own by consistently following disciplined financial habits. Key steps include:

• Reviewing your credit report regularly and reporting any inaccuracies or errors to credit bureaus like CIBIL.
• Ensuring all loan EMIs and credit card bills are paid in full and on time.
• Keeping your credit utilization ratio low, ideally below 30 percent of your total limit.
• Avoiding multiple credit inquiries or applying for several loans in a short period.
• Maintaining older credit accounts to establish a longer credit history.