How to raise your credit score?

To raise your credit score, maintain disciplined financial habits. Ensure all loan and credit card bills are paid on time, as payment history is the most critical factor. Keep your credit utilization ratio below 30 percent of your total limit. Avoid applying for multiple new credit lines in a short period to prevent hard inquiries. Regularly check your credit report from bureaus like CIBIL, Experian, or Equifax to identify and dispute any errors. Maintaining a healthy mix of secured and unsecured loans over a long period also helps build a strong score.