If someone has been trying to improve their credit score for some time, then this news will be very important for them. A good credit score can easily help them get better loans, credit cards and other financial opportunities, which can be useful in the future.

If someone is planning to take a home loan, car loan or personal loan in the future, then a good credit score is very important. Proper use of credit cards, including paying bills on time and spending within the limit, strengthens the credit score. Let’s know about four easy ways to increase credit score at a glance.

Four Simple Habits to Boost Your Credit Score in 2026

1. Timely payments and discipline

The biggest impact on credit score is payment habits. Therefore, it is important to pay all bills, EMIs and credit card bills on time to increase credit score. No due date can be missed. Also, one should avoid making minimum payments on credit card bills and make full payments. If one misses bill payments frequently, then auto-pay can be set.

2. Use Credit Cards Wisely

If someone wants to increase their credit score and wants to use a credit card, it is important to use it wisely. To do this, the credit utilization cannot be allowed to exceed 30 percent. The maximum credit limit cannot be exceeded.

3. Review Credit Report

Sometimes there are errors in the credit report that no one can notice and these errors prevent the credit score from increasing. Therefore, one should review their credit report at least once a year. One should not forget to correct errors such as incorrect balances or closed accounts showing as active.

4. Keep old history active

Credit scores are good for those who are organized, stable and make regular payments. Therefore, old, well-managed accounts should be kept active to show improvement in the report. And yes, frequently applying for new credit cards can harm the credit score. Therefore, it should be avoided and given time to improve the credit score.