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Priyank Sharma

22nd Jul 2025 · SEBI-Registered Analyst

How can I raise my credit score in a short time?

To quickly raise your credit score, start by paying all your bills and loan EMIs on time. Payment history makes up a large part of your credit score. Next, reduce your credit card balances, especially if you're using over 30% of your credit limit. Avoid applying for new credit unless necessary, as multiple inquiries can lower your score. Check your credit report for any errors or outdated information and dispute them if needed. Increasing your credit limit (without increasing spending) can also help improve your score. If you have limited credit history, consider becoming an authorized user on someone else's credit card. Finally, keep old credit accounts open to show a longer credit history, which is also beneficial for your score.

#PersonalFinance
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