Improve Your Credit Score Quickly

Action Steps:

• Set up payment reminders
• Use auto-pay for credit cards
• Pay before due date
• Avoid even 1-day delays

Action Steps:

• Pay more than minimum amount
• Target cards with highest balances
• Keep utilization below 30%
• Don't close old cards

Action Steps:

• Make extra principal payments
• Use bonus/increment for repayment
• Maintain regular EMI payments
• Clear high-interest loans first

Action Steps:

• Maintain 1-2 credit cards
• Keep existing personal loan
• Home/auto loans add value
• Don't open too many accounts

Action Steps:

• Avoid multiple card/loan applications
• Space out applications by 6+ months
• Only apply when truly needed
• Each query reduces score temporarily

Action Steps:

• Get free credit report annually
• Look for unauthorized accounts
• Check for duplicate entries
• Dispute errors immediately

Action Steps:

• Use old credit cards occasionally
• Keep accounts in good standing
• Don't close oldest accounts
• Account age matters

Action Steps:

• Ask family/spouse with good credit
• Bank adds your credit profile
• Their good payment history helps you
• Their debt counts against you too

Action Steps:

• Contact creditors directly
• Request removal of late marks
• Offer settlement for old debts
• Get written commitment

Action Steps:

• Use credit card for small purchases
• Pay full balance monthly
• Avoid cash advances
• Maintain consistent usage