Most people believe that paying EMIs on time is the only reliable way to build a strong credit score. While timely repayment is essential, it is not the fastest way to boost your score.
Credit bureaus track multiple hidden and lesser-known factors that can increase your score quickly, sometimes within 30–60 days — much faster than years of EMI payments.
Here are the secret factors you can use to improve your credit score rapidly.
🔵 1. Credit Utilisation Below 30% — The Fastest Boost
Your credit utilisation ratio (CUR) has a major impact on your credit score.
It measures how much of your credit limit you use vs. how much you have available.
Why it boosts faster:
Reducing card utilisation shows you are NOT credit-hungry. CIBIL reacts quickly to this improvement.
Quick fix:
Keep usage below 30%
Ideal range: 10–15%
Increase your credit limit (free method)
Distribute spending across cards
Even cutting utilisation from 70% to 30% can raise the score by 40–70 points in weeks.
🔵 2. Clearing Credit Card Minimum Amount Dues & Revolvers
If you only pay “minimum due,” your utilisation remains high and interest piles up.
But clearing full dues even once reduces total outstanding sharply.
Why it works quickly:
CIBIL updates your outstanding balance every cycle — not just your EMI record.
Quick fix:
Pay full credit card bill
Avoid “revolving credit”
Clear partial outstanding if not full
This reduces CUR and improves score instantly in the next credit bureau update.
🔵 3. Adding a New Credit Card (Smart Trick)
Most people think new cards harm credit.
But they increase your total credit limit, which reduces credit utilisation.
Why this boosts score faster:
Higher credit limit → lower CUR → immediate upward movement.
Works best when:
You use your primary card heavily
You often cross 40–50% utilisation
Choose cards with no annual fee if possible.
🔵 4. Becoming an ‘Authorised User’ on Someone’s Good Account
If someone with a strong credit score adds you as an authorised user:
Their credit history
Their perfect repayment
Their low CUR
All reflect on your credit report.
Why it’s powerful:
You instantly inherit a positive credit age and strong repayment history.
Works best when added to:
A 5+ year old account
Low utilisation card
No late payments ever
🔵 5. Removing Errors From Your Credit Report
A surprising number of credit reports have:
Incorrect loan entries
Duplicate loans
Closed loans marked as active
Delays that never happened
Fraudulent accounts
Why this works fast:
Once corrected, your score may increase within 30 days.
Quick fix:
Raise a dispute with the credit bureau for:
Wrong loan amount
Incorrect overdue status
Closed loan still active
Unknown inquiries
🔵 6. Reducing Hard Enquiries Immediately
Hard inquiries occur when you apply for loans or credit cards.
Multiple inquiries in short time signals “credit hunger.”
Why reducing them helps:
Fewer inquiries = improved credit behaviour perception.
Quick fix:
Stop applying for loans frequently
Space applications by 6 months
Use pre-approved offers instead
🔵 7. Maintaining Healthy Credit Mix
Credit score improves faster when you have both:
Secured credit (home loan, gold loan)
Unsecured credit (credit card, personal loan)
Why it helps:
Shows banks you can manage diverse debt responsibly.
A person with only credit cards improves their score slower than someone with mixed credit.
⭐ Fastest Ways to Improve Your Score (Ranked)
1️⃣ Lower credit utilisation below 30%
2️⃣ Clear credit card outstanding (full or partial)
3️⃣ Add a new credit line (increases limit)
4️⃣ Become authorised user
5️⃣ Correct report errors
6️⃣ Reduce new loan applications
7️⃣ Maintain mix of credit types
❓ FAQs
1. What is the fastest way to improve my credit score?
Reducing your credit card utilisation below 30% can boost your score within weeks.
2. Does paying EMIs on time improve credit fast?
Yes, but it works gradually. CUR and outstanding repayment have quicker effects.
3. Does taking a new credit card harm the score?
No. If used wisely, it increases your limit and lowers your utilisation — helping the score rise.
4. How long does it take to improve credit score?
Depending on factors, 30–90 days is typical for noticeable improvement.
5. Can errors in my report lower my score?
Absolutely. Fixing them can result in immediate score jumps.
6. What hurts the credit score the most?
High utilisation, late payments, and too many loan applications.
Published on : 21st November
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
Follow us on social media: Facebook || Linkedin || Instagram
🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed