Pay all EMIs and credit card bills on time
Keep credit card utilization low
Maintain a healthy mix of secured and unsecured credit
Avoid applying for too many loans or credit cards at once
Check your credit report regularly for errors
Keep old credit accounts open if they are in good standing
Reduce outstanding debt
Do not miss any payment due dates
Limit the number of hard inquiries on your credit report
Build a long credit history
Use credit responsibly
Set up payment reminders or auto-debit for bills
Dispute and correct any incorrect negative entries in your credit report