how to fix your credit score

To fix your credit score, focus on consistent, disciplined financial habits, as there are no quick fixes.

• Pay all your EMIs and credit card bills before the due date, as payment history is the most crucial factor.
• Keep your credit utilisation rate low, ideally below 30% of your total limit, by paying down outstanding balances.
• Regularly check your credit report for errors and immediately dispute any inaccuracies with the credit bureau.
• Avoid applying for multiple new loans or credit cards in a short period.

This sustained positive behavior is key to improving your score over time.