New Delhi, March 13 -- A good credit score is indispensable to raisepersonal loans and credit cards. However, building a solid credit history doesn't happen in a short time. It needs consistency and responsible financial habits. Here, we explain how one can build and improvecredit score over a period of time.

1.Use credit cards responsibly: One of the easiest ways to build credit is by getting a credit card. If you're new to credit, start with a secured credit card (linked to a fixed deposit), a student credit card or a basic entry-level credit card from a reputed bank.

It is important to use only 30-40 per cent of your credit limit and make sure to pay the bill before the due date each month.

2.Clear all bills on time: Your payment hi...