How to get your credit score up?

To improve your credit score, prioritize paying all credit card bills and loan EMIs on time. Maintain a credit utilization ratio below 30% of your total limit and avoid applying for multiple loans or credit cards simultaneously to prevent frequent hard inquiries. Regularly monitor your credit report for errors and raise disputes with bureaus like CIBIL if inaccuracies are found. Additionally, maintain a balanced mix of secured and unsecured credit and keep old credit accounts active to build a longer credit history.