New Delhi, Feb. 5 -- If you are planning to raise a personal loan remember that one of the key criteria that determines your application is your credit score.

You can check your credit score for free here on Livemint. Let us suppose you want to raise a loan and your application was denied because of a poor credit score. Then you would certainly want to improve your score to improve your chances to procure a loan.

Notably, it takes anywhere between 3 to 6 months to improve your credit score for moderate improvements (such as 30 to 50 points) and 6 to 12 months for significant jumps (100 points or more). The exact time period is a function of a number of factors including your current credit score and financial behaviour.

1.Credit card p...