Pay all EMIs and credit card bills on time
Clear overdue amounts immediately
Reduce credit card utilization below 30%
Avoid missing even one payment
Pay more than the minimum due on credit cards
Keep old credit accounts open
Avoid applying for multiple loans or cards at once
Check your credit report for errors
Dispute and correct any wrong entries
Close only unnecessary accounts, not old active ones
Maintain a healthy mix of secured and unsecured credit
Avoid taking new debt unless necessary
Set up auto-debit for all payments
Use credit cards regularly and repay fully
Limit loan inquiries from lenders
Repay small loans early if possible
Keep credit history active and consistent
Monitor your CIBIL score regularly