Start with your report
Download your free credit report and read it fully. You cannot fix what you have not seen.
Nine steps that help
- Dispute genuine errors with the bureau and lender, with documents
- Clear any current overdue amounts first; they hurt the most
- Set up auto-debit or reminders so every EMI and card bill is paid on time
- Keep card utilisation low (many experts suggest under 30% of the limit)
- Pay the full card statement balance, not just the minimum due
- Avoid applying for several loans or cards in a short period
- Keep older, well-managed credit cards open to preserve history length
- For settled accounts, ask the lender whether paying the remaining dues can update the status to "closed"
- Review guarantor and co-applicant loans, since their defaults affect you
How long it takes
Error corrections follow RBI timelines (complaints should be resolved within 30 days). Building new positive history typically takes several months of consistent behaviour. Serious negatives fade in impact over time as newer, positive data accumulates.
Be wary of shortcuts
No agency can delete accurate negative information or "buy" you a score. Be cautious of anyone guaranteeing a specific score, asking for your bank passwords or OTPs, or charging only to download a report you can get free.
This guide is general educational information, not financial or legal advice. Rules can change. Check the latest guidance from the RBI and the credit bureaus.