Pay all EMIs and credit card bills on time
Keep credit card utilization below 30%
Avoid missing any due dates
Maintain a low number of active loans and credit cards
Do not apply for multiple loans or cards in a short period
Check your credit report regularly for errors
Dispute and correct any incorrect entries in your credit report
Keep old credit accounts open if they are in good standing
Avoid settling loans unless absolutely necessary
Pay more than the minimum due on credit cards
Maintain a healthy mix of secured and unsecured credit
Close unused credit cards only after considering the impact on credit history
Use credit responsibly and consistently
Avoid becoming overleveraged
Keep loan tenures manageable and repayments steady