New Delhi, Sept. 15 -- There is a popular misconception that increase in credit score is directly proportional to increase in income. In reality, it is far from true. Someone with a high income may have a poor credit score. And conversely, someone with a low income could also enjoy an impressive credit score.

Your score is actually a reflection of your credit behaviour and not financial status at all.

Therefore, if someone has a poor credit score need to change the credit behaviour instead of focusing on raising the income. These are some of the useful tips to increase your score without any change in income.

I. Clear dues: Make sure you first clear all your dues. There could be some credit card bill which you have not paid or some car...