Bharosa Tools

Credit boost

Tick the habits you already follow. This does not change your bureau score.

0 of 5 habits checked. This is a guide, not a bureau score.

Pay every EMI on the due dateOne missed payment can stay on the report for years.Keep card use under 30% of the limitHigh utilisation is read as strain, even if you pay later.Do not open many new loans togetherEach new enquiry can nudge the score down for a while.Check the report for accounts you do not recogniseDispute wrong accounts with the bureau, not with a random agent.Keep old cards open if they have no feeA longer history helps more than closing every card.