How to increase Equifax credit score?

To increase your Equifax credit score in India, ensure you pay all loan EMIs and credit card bills on time, as payment history is a major factor. Keep your credit utilization ratio below 30 percent by avoiding maxing out your credit limits. Regularly review your credit report to identify and dispute any inaccuracies or fraudulent activities. Avoid applying for multiple new credit lines in a short period, and maintain a healthy mix of secured and unsecured credit to demonstrate responsible financial management over time.