When can I start improving my credit score?

Your credit score is influenced by five key factors: repayment history (timeliness of payments), credit utilization (how much of your available credit you’re using), age of credit (how long you’ve maintained credit accounts), mix of credit (a variety of loans and credit cards), and number of inquiries (by banks or NBFCs for new applications). Once you are debt-free through our program, you can focus on rebuilding your credit score by managing these factors effectively. One way to do this is by obtaining secured loans or credit cards against fixed deposits and making regular payments

towards them.