5 simple ways to raise your score

1. Pay every EMI and card bill on time — this matters most of all. Set up auto-pay so you never slip.

2. Keep your card usage under 30% of the limit. If your limit is ₹1,00,000, try to stay under ₹30,000.

3. Do not apply to many lenders in a short window — space out applications.

4. Keep old cards open. A longer history helps your score.

5. Check your report for errors and get them fixed — mistakes can quietly drag your score down.