how to make credit score

To make or build a credit score, you must establish a credit history by responsibly managing credit products like loans or credit cards. The most effective way is through disciplined financial behaviour:

• Always pay your loan EMIs and credit card bills on time.
• Maintain a low credit utilisation ratio, ideally keeping your spending below 30% of your total credit limit.
• Avoid applying for multiple new loans or credit cards simultaneously, as frequent applications can lower your score.
• Regularly check your credit report for any errors and have them corrected promptly.