Quick wins (Days 1–30)
1. Pre-pay credit card balances 5 days before statement date to drop reported utilization.
2. Pay the full statement balance, not just the minimum due — carrying revolving balance shows financial stress.
3. Request credit limit increases on existing cards (soft pull, no score damage) to reduce utilization ratio.
4. Dispute every clear factual error on your report — payment date mismatches, wrong DPD counts, closed loans showing open.
Structural fixes (Days 30–60)
5. Convert 'Settled' accounts to 'Closed' by paying the shortfall and requesting bureau update.
6. Remove wrongly reported DPDs with documentary evidence.
7. Clear all unauthorised hard enquiries with a written declaration.
8. Add a secured credit card if you have thin credit — 6 months of clean usage builds fast positive history.
Long-tail moves (Days 60–90)
9. Diversify your credit mix — one credit card + one small personal loan or consumer durable EMI shows healthier profile than 5 cards alone.
10. Set up EMI and card autopay so you never miss a payment during a busy month.
11. Avoid applying for new credit for 90 days — let existing enquiries age off.
