How to Improve Credit Your Score?

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Wondering How to Increase Your Credit Score?


Follow these actionable tips to improve your credit score and enhance your financial health.

1. Pay Your Bills on Time

Timely payments positively impact your credit score. Set up reminders to ensure consistency.

2. Keep Credit Utilisation Ratio Low


Keep your credit utilisation below 30% of the available limit to show responsible credit management.

3. Check Your Credit Report Regularly


Review your report for errors or discrepancies. Correcting them can help improve your credit score.

4. Avoid Frequent Loan Applications


Frequent loan applications can lower your credit score, so apply only when truly needed.

Have a 750+ Credit Score? Apply for an SMFG India Credit Personal Loan



Access personal loans up to INR 30 lakhs* with attractive rates and flexible tenures to achieve your goals.

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* Please note that this webstory is for your knowledge only. Loans are disbursed at the sole discretion of SMFG India Credit. Final approval, loan terms, disbursal process, foreclosure charges and foreclosure process will be subject to SMFG India Credit's policy at the time of loan application. If you wish to know more about our products and services, please contact us