A strong credit score has become essential for anyone planning to take a loan from a bank or financial institution. If your score is low, lenders may reject your loan or offer you a high-interest rate. The good news is that with the right financial discipline and proper planning, you can increase your credit score above 750 within six months. Here are some effective methods that can help you build a healthy credit profile.
1. Start With Checking Your Credit Report for Errors
The first and most important step is to review your credit report carefully. Many times, incorrect loan entries, outdated account details, or mismatched information lower your score unnecessarily. A wrong entry—such as someone else’s loan showing under your name—can severely damage your profile.
If you spot any error, raise a dispute immediately with the credit bureau and get it corrected. A clean and accurate report lays the foundation for a higher credit score.
2. Pay All Your Bills on Time to Build a Strong Repayment Record
Your repayment history directly affects your score. Even a single delayed payment can pull your score down. To maintain perfect repayment discipline, always pay credit card bills, EMIs, and utility bills before the due date.
If you often forget deadlines, activate auto-pay to avoid delays. Continuous on-time payments reassure lenders that you are financially responsible, which steadily boosts your credit score.
3. Keep Your Credit Utilization Below 30–40%
Using too much of your credit card limit signals financial stress. Experts recommend that credit utilization should stay under 30–40% of your total limit.
For example, if your card limit is ₹1,00,000, try not to spend more than ₹30,000 to ₹40,000 in a month. Low usage shows responsible credit behavior and contributes positively to your score.
4. Avoid Multiple Loan Applications Within a Short Time
Applying for loans frequently is one of the biggest reasons for a falling credit score. Every loan application triggers a hard inquiry, which temporarily lowers your score.
During the 6-month improvement period, avoid applying for fresh loans or multiple credit cards. Also, try not to take unnecessary credit card EMIs, as they increase financial burden and the risk of missed payments.
5. How to Achieve 750+ Score in 6 Months
If you follow these steps with consistency, raising your score above 750 becomes achievable.
A combination of accurate reporting, timely payments, low credit utilization, and fewer loan inquiries strengthens your financial profile. Within six months, you will see a noticeable improvement that increases your chances of getting loans easily and at better interest rates.
