Introduction
A good credit score unlocks better loan offers, lower interest rates, and higher approval chances. If your score is low, here’s how to improve it quickly.
1. Pay All EMIs & Credit Card Bills on Time
Payment history is 35% of your credit score.
Even one delay affects your score for months.
2. Keep Credit Card Utilisation Low
Keep utilisation under 30% of your limit.
Example:
If limit = ₹50,000
Spend ≤ ₹15,000
3. Avoid Multiple Loan Applications
Each hard inquiry reduces your score.
4. Maintain Older Credit Accounts
Older accounts increase your credit age and boost your score.
5. Check Your Credit Report Regularly
Errors or wrong entries can affect your score.
Conclusion
With consistency and discipline, your credit score can improve within 60–90 days — unlocking better loan opportunities.
