New Delhi, Feb. 18 -- Did you check your credit score recently to realise that your credit score is abysmally low or lower than your expectations? The common reasons for a low credit score could be missed EMI or credit card payments, defaulting on loans, high credit utilisation ratio and multiple loan applications (hard inquiries).

It is quite vital to check the CIBIL score on a regular basis. Therefore, it is vital to take a series of steps over the entire year to push your credit score upward.

A. First you need to obtain a detailed credit report and analyse it.

B. Now you need to identify any errors (such as incorrect loan details, wrong personal information).

C. You can also file disputes with the credit bureau to correct the mista...