How to Increase Credit Score?

Improving your credit score takes a little patience and discipline. It shows lenders that you handle credit responsibly. Let’s see how you can make it better step by step.

Pay EMIs and Bills on Time

Sabse important habit yehi hai. Har EMI, loan instalment, ya credit card bill time par bharo. Late payment ya missed EMI se score turant girta hai. Auto-debit lagana ek smart option hai taaki due date kabhi miss na ho.

Keep Credit Card Usage Low

Credit card ka use limit ke 30% ke andar rakho. Agar limit 1 lakh hai to try karo 30,000 se kam hi use ho. High utilisation lender ko risky behaviour lagta hai.

Avoid Too Many Loan Applications

Bar bar loan ya credit card apply karne se multiple hard enquiries hoti hain jo score ko down karti hain. Sirf zarurat ke time hi apply karo.

Maintain Old Credit Accounts

Purane credit cards aur loans band mat karo jab tak zarurat na ho. Ye aapki credit history lamba dikhata hai aur score ko stable rakhta hai.

Keep a Mix of Credit Types

Loan aur credit card dono ka mix healthy mana jata hai. Sirf unsecured credit (jaise cards) lena avoid karo. Thoda secured loan (jaise car ya home loan) bhi score ke liye achha hota hai.

Check Your Credit Report Regularly

Apna credit report har 3–6 mahine me check karo. Agar koi galti ya wrong entry mile to dispute raise karo. Galti sudharne se score improve hota hai.

Ab kya karna hai

Time par payment, kam utilisation, aur purani credit history maintain karte raho. Apna CRIF score check karo, GoodScore app par aur dekhte raho ki progress kaisi ho rahi hai. Score strong hoga to loan lena aur rate dono easy milenge.