Credit score, Sept. 5 -- If you are planning to take a loan anytime soon or apply for a credit card, it is imperative for you to be aware of your credit score, which is a key indicator of your creditworthiness.

And if you happen to discover that this score is too low to fetch you anything, then you need to take some concrete steps to improve this. Those steps may not be too radical. You can even take small steps to fix it. These are some of the small steps one can take.

I. Regularly check your credit report: You should obtain your credit report from a credit bureau (CRIF High Mark or CIBIL) at least once a year. You can get a free report annually from each bureau.

II. Clear bills on time: Payment history is a key factor of your creditw...