Pay all EMIs, credit card bills, and loan dues on time
Clear any overdue or missed payments immediately
Pay at least the minimum due before the due date
Reduce credit card outstanding balance as much as possible
Keep credit utilization below 30% of the limit
Avoid applying for multiple loans or credit cards at once
Check your credit report for errors and dispute inaccuracies
Close only unused accounts after ensuring they are not helping your score
Maintain old credit accounts with a good repayment history
Avoid settling loans unless absolutely necessary
Become an authorized user on a well-managed credit card, if possible
Take a small secured loan or credit-builder loan and repay it on time
Do not bounce cheques or miss auto-debit payments
Keep a healthy mix of secured and unsecured credit
Request a credit limit increase to lower utilization, if approved
Pay credit card dues in full before the statement date when possible