5 Ways to Improve Your Credit Score

Repayment history is the single biggest factor affecting your score—always pay loans and bills on time to avoid penalties and negative marks.

Keep your credit utilization below 30% of available limits to signal responsible credit use and boost your score.

Avoid multiple loan or card applications within a short period. Each hard inquiry can temporarily lower your score.

Monitor your report regularly for errors and dispute inaccuracies with the CRB to ensure your file is clean.

Maintain a mix of credit types—revolving and installment—to demonstrate diverse financial management skills.