How to increase your credit score in 3 months?

To increase your credit score in 3 months, prioritize paying all loan EMIs and credit card bills on time, as payment history is the most critical factor. Reduce your credit utilization ratio by keeping spends below 30 percent of your total limit. Avoid making multiple hard inquiries for new credit in a short period. Additionally, check your credit report from bureaus like CIBIL or Experian and dispute any inaccuracies immediately. Consistently following these steps can lead to a noticeable improvement in your score within a few billing cycles.