how to increase your credit score

To increase your credit score, focus on responsible financial habits over time. The most important actions you can take include:

• Always pay all your credit card and loan EMIs on or before the due date.
• Keep your credit utilization ratio low, ideally below 30% of your total available credit limit.
• Maintain a long credit history by not closing old, paid-off accounts.
• Limit applications for new credit to avoid too many hard inquiries.
• Regularly check your credit report for any errors or inaccuracies and dispute them.