Most Indians never see their credit report until they're rejected for a loan. By then, fixing it takes months. Here's how to get ahead of it.
Start with the report, not the score
The number is just a summary. The story is in the line items — every loan, every card, every enquiry. Pull your report from any RBI-authorised bureau and read it once a quarter.
The four levers that actually move scores
- Pay every EMI and card bill on or before the due date.
- Keep credit utilization under 30% of your total limit.
- Don't apply for multiple loans in a short window.
- Dispute every wrong or unfamiliar entry immediately.
That's it. Almost everything else is noise.
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