How to improve your credit score in 6 months
Seven practical steps — from utilisation to dispute resolution — that move your score.
2 September 20266 min read
Pay every EMI and card bill on time
Payment history is the single largest factor in your score. Set up auto-debit for at least the minimum due so a missed date never reaches the bureau.
Keep card utilisation under 30%
Utilisation is the share of your total credit limit that you use. Pay down balances before the statement date or request a limit increase.
Maintain a healthy credit mix
A combination of secured (home, auto) and unsecured (card, personal) credit, handled responsibly, signals maturity to lenders.
Dispute errors in your report
Closed accounts marked active or payments wrongly shown as late drag your score down. Raise a dispute with the bureau with supporting documents.
Put this into action
Check your free credit scoreRelated guides
- Credit Score
What credit score do you need for a personal loan?
How lenders use score bands to price loans, and options if yours is below 700.
4 min read
- Credit Score
How to raise a credit report dispute
Step-by-step process to correct errors with any credit bureau.
5 min read
- Credit Score
5 credit score myths, busted
Checking your own score does not lower it — and other common misconceptions.
3 min read