how do i repair my credit score

To repair your credit score (CIBIL Score), focus on maintaining disciplined financial habits over time.

• Always pay your loan EMIs and credit card bills on or before the due date, as timely repayment is the most critical factor.
• Maintain a low credit utilisation ratio, ideally keeping your credit usage below 30% of your total available limit.
• Check your credit report regularly for any errors, such as incorrect loan entries or old outstanding debt, and immediately raise a dispute with the credit bureau for rectification.
• Limit new credit applications, as too many hard inquiries in a short period can negatively impact your score.
• Keep older credit accounts open to maintain a longer credit history.