Boost Your Credit Score in Months: 4 Essential New Year Financial Habits

• Prioritize timely payments for all bills, EMIs, and credit card dues; avoid minimum payments.
• Use credit cards wisely by keeping utilization below 30% of the credit limit.
• Regularly review your credit report (at least annually) to identify and correct errors.
• Maintain old, well-managed credit accounts to demonstrate financial stability and avoid frequent new applications.

Why It Matters: Improve your credit score quickly by adopting disciplined payment habits and smart credit management.