New Delhi, May 14 -- Do you have a considerably poor score and want to improve it over a period of time? Before you proceed, remember that improving the score is not a short term phenomenon. It is a long-term process and requires consistent efforts. One can witness considerable improvement between 3 to 6 months but if there are serious issues such as missed payments or high credit utilisation then it may even take a year or longer to improve your credit score.

First and foremost, you must ensure that yourcredit card bills are paid on time,credit utilisation ratio is lower than 30 percent and refrain from applying for too many loans in a short span of time, leading to generation ofhard inquiries.

Here we give some smart tips to help you ...