How to fix my credit score fast?

To fix your credit score fast, start by paying all your outstanding dues and loan EMIs on time, as payment history is the most critical factor. Reduce your credit utilization ratio to below 30% by paying down existing credit card balances. Check your CIBIL report for any inaccuracies or errors and raise a dispute through the official credit bureau portal to have them rectified. Avoid applying for multiple new loans or credit cards in a short period. Consistent financial discipline will lead to visible improvements within 4 to 12 months.