How to improve credit score by 100 points?

Improving your credit score by 100 points requires consistent financial discipline over several months. Start by ensuring all loan and credit card payments are made on time, as payment history is the most critical factor. Keep your credit utilization ratio below 30 percent of your total limit. Avoid applying for multiple new credit lines in a short period and keep old accounts active to maintain a longer credit history. Regularly check your credit report from bureaus like CIBIL to identify and dispute any inaccuracies promptly.