How To Maintain Strong Credit Score: From Managing Old Accounts To Low Utilisation — Key Expert-Backed Tips

Maintaining a strong credit score has become one of the most essential factors for borrowers in India to secure access to affordable loans and credit facilities. A score above 750 is often considered excellent, making it easier for individuals to obtain approvals for personal loans, credit cards, home loans, or vehicle finance. According to experts, a high score does not happen overnight but is the result of consistent financial discipline , timely repayment , and prudent borrowing habits sustained over the long term.