how to repair credit score

To repair and increase your credit score quickly, focus on timely payments and debt management. The most effective steps include:

• Immediately pay down your outstanding credit card balances to maintain a Credit Utilisation Ratio (CUR) below 30% of your total limit.
• Review your latest credit report for errors or inaccuracies, and file a dispute promptly, as correcting a major mistake can boost your score quickly.
• Ensure all credit card bills and loan EMIs are paid strictly on or before the due date, as payment history is the most critical factor.