Pay every EMI, credit card bill, and loan installment on time
Set up auto-debit or payment reminders for all due dates
Reduce credit card utilization to below 30% of the limit
Keep utilization below 10% if possible
Pay credit card balances in full every month
Avoid missing even one payment
Clear all overdue amounts immediately
Close only unnecessary loans or cards, not old good accounts
Keep older credit accounts active to build history
Avoid applying for multiple loans or credit cards at the same time
Limit hard inquiries on your credit report
Check your CIBIL report regularly for errors
Dispute and correct any wrong entries in your credit report
Avoid settling loans unless absolutely necessary
If you have a settlement, regularize the account if possible
Maintain a healthy mix of secured and unsecured credit
Take a small loan only if needed and repay it properly
Do not max out any credit card
Use one or two cards responsibly instead of many
Pay more than the minimum amount due
Keep old accounts open if they have a good payment record
Avoid becoming a guarantor for risky borrowers
Track your total outstanding debt and reduce it steadily
Build a consistent repayment record for several months
Keep credit behavior stable and disciplined
Wait for negative marks to age and improve over time