Many people think that once your credit score drops, it takes years to recover. The truth is, with smart financial habits, you can start seeing improvements in as little as 30 days.

Here’s how to give your credit score a quick and effective boost.

🔹 1. Understand Your Credit Score

· A credit score ranges from 300 to 900 in India.

· Scores above 750 are considered excellent, while below 650 is seen as poor.

· Check your score on platforms like CIBIL, Experian, or Equifax to know where you stand.

🔹 2. Pay Pending Dues Immediately

· Clear all overdue credit card bills, loans, or EMIs.

· Even a single missed payment can hurt your score.

· Timely payments reflect positively and show lenders you are reliable.

🔹 3. Reduce Credit Utilization

· Keep your credit card usage below 30–40% of the limit.

· High utilization indicates financial stress, which lowers your score.

· Paying off existing balances can quickly improve your score within a month.

🔹 4. Avoid Applying for Multiple Loans

· Each loan or credit application triggers a hard inquiry.

· Too many inquiries in a short period can drop your score.

· Only apply for credit when necessary.

🔹 5. Update Your Credit Report

· Ensure that paid loans or cleared dues are correctly updated in your credit report.

· Any discrepancies or outdated negative entries can artificially lower your score.

🔹 6. Use a Mix of Credit Wisely

· Having a healthy mix of secured loans (like home loans) and unsecured loans (like credit cards) can improve your score.

· Avoid closing all credit cards at once; a mix demonstrates financial responsibility.

🌟 Bottom Line

Improving your credit score doesn’t have to take years. By:

· Paying dues promptly

· Reducing credit utilization

· Avoiding unnecessary loan applications

· Monitoring your credit report

…you can see noticeable improvement in just 30 days, opening doors to better loan approvals, lower interest rates, and financial freedom.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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Kokila Chokkanathan

31/10/2025 12:48 PM