New Delhi, Feb. 20 -- As a home loan in India requires a good credit score, which takes into account the loan amount and allows it to sanction as well as fix the interest rate along with other associated terms. Here are key ways to improve your credit score before availing the loan:

Payment of your existing loans and credit card bills on time is extremely crucial. Late payments damage your credit score. Instead of paying late, automate the payments or leave a reminder so that you never miss any due date.

Pay off the outstanding dues, if any. Issue a notice to the creditors and pay off any overdue dues, which would cause your status to change from "default" to "closed," thereby ensuring you continue to have a good credit score.

Your cre...