How to make your credit score higher?

To make your credit score higher, consistently pay all your loan EMIs and credit card bills on time, as payment history is the most critical factor. Maintain a low credit utilization ratio, ideally below 30% of your total limit. Avoid applying for multiple new credit lines in a short period and keep old credit accounts open to build a longer credit history. Regularly review your credit report for errors and dispute any inaccuracies to ensure your score remains healthy and accurate.