How to build a 750+ credit score in just a few months

Missing or being late with a single EMI can lower your score by 50-100 points, depending on the length of time it is unpaid.

A credit score above 750 opens doors: lower loan rates, higher card limits, and faster approvals. But if your score has slipped or is stuck in the average range, small actions can make a big difference within 90 days. Credit bureaus track patterns, not perfection — so steady discipline counts more than one-time fixes.

Pay every bill on time Nothing improves your score faster than timely payments. Even one late EMI or missed credit card bill can pull your score down by 50 to 100 points. Set reminders or enable auto-pay on all your accounts so payments happen before the due date. Consistency tells lenders you’re dependable — and it’s the single biggest factor in your score.

Keep your credit utilization low Try not to use more than 30 percent of your total credit limit. If your card limit is Rs 1 lakh, keep spending around Rs 30,000 or less before paying it off. High utilisation makes you look credit-hungry, even if you pay in full later. Splitting purchases across two cards or paying your bill mid-cycle can help manage this ratio easily.

Avoid applying for too much credit Every time you apply for a new card or loan, lenders make a “hard inquiry” that temporarily dips your score. Too many applications close together suggest financial stress. Limit new credit requests unless absolutely necessary — and let a few months pass between applications.

Check your credit report for errors Sometimes the problem isn’t your behaviour but an inaccurate entry. Review your credit report on CIBIL or Experian at least once every few months. Look for wrong loan amounts, closed accounts marked active, or missed payments that weren’t yours. Disputing and fixing such errors can quickly restore points you lost unfairly.

Mix your credit smartly Having a blend of credit types — one or two credit cards, plus a small loan like a car or personal loan — helps your profile look balanced. Lenders see it as proof that you can manage different kinds of credit responsibly. But don’t take loans just for variety; manage what you already have well first.

The takeaway Raising your credit score isn’t about luck — it’s about consistency. Paying on

time, keeping balances low, and watching your report are simple habits that compound over time. Do them right for 90 days, and you’ll likely see your score start climbing toward that 750+ mark — one disciplined month at a time.