How to get a perfect credit score: 4 steps in brief
Credit score gets impacted primarily on your credit history. Check if your monthly payments towards loans are reflected on your credit reports. An ideal way to not miss payments and become a defaulter is to keep reminders on your Equated Monthly Installments (EMI). You can also opt for ‘auto-debit’ facility, wherein the lender automatically deducts the EMI amount from your bank account on a specified date. But make sure that you have funds in your account.
You should first obtain your credit score and report from one of the authorised four credit bureaus. You can start evaluating where you stand with respect to credit in the following ways. Representational image, source: Reuters