how to repair your credit score

To repair your credit score, focus on consistent, responsible credit behavior over time. The fundamental steps are:

• Pay all your bills and loan EMIs on time, every time, as payment history is the most critical factor.
• Maintain a low Credit Utilization Ratio (CUR) by paying down revolving credit card balances; ideally keep usage below 30% of your total limit.
• Avoid applying for too many new credit accounts in a short period.
• Regularly check your credit report for any inaccuracies and dispute them immediately with the credit bureau.
• Keep old, paid-off credit accounts open to maintain a longer credit history.