how to maintain a good credit score

To maintain a good credit score, consistently practice responsible financial habits:

• Always pay your loan EMIs and credit card dues on or before the due date, as timely payment is the most crucial factor.
• Keep your credit utilization ratio low, ideally below 30% of your total available credit limit.
• Avoid applying for multiple new credit facilities in a short period of time.
• Regularly check your credit report for any inaccuracies and dispute them immediately.
• Maintain a mix of credit types, such as installment loans and credit cards, over a long period.