how to credit score

To improve your credit score, focus on maintaining responsible financial habits, as your score reflects your creditworthiness. A meaningful boost is possible by taking key steps, which can lead to better access to credit and more moderate interest rates.

• Ensure you pay all your existing loan EMIs and credit card bills on time.
• Work on reducing the credit card account with the highest utilisation rate first.
• Lowering your overall credit utilisation rate by even 5% can give your score a substantial boost, potentially improving it by up to 40 points.