New Delhi, May 5 -- In India a credible and strong credit score is crucial for securing personal loans, credit cards, favourable interest rates etc. Given a score of 480 is considered poor, still achieving a score of 750 or higher is still attainable with disciplined and calm financial habits.

According to Bhargav Errangi, Founder, POP, "Improving a credit score from 480 to 750 takes time and consistent effort. Start by paying every bill by its due date and lowering your credit card balances. Limit new credit applications and review your credit report for mistakes to correct."He further added, "Keeping older accounts active helps build a longer credit history. Using tools like secured credit cards or small installment loans can aid in re...