How to lift your credit score in 90 days
Realistic actions that move the needle before you apply, and the ones that do nothing at all.
5 min read
What you need to know
Scores update as lenders report data, usually monthly. That means a disciplined 90-day run can produce a visible improvement before you file a loan application — but only if you attack the right levers.
Start by pulling your own report. A self-check is a soft enquiry and never damages the score. Dispute any account that is not yours or any settled loan still showing as overdue; bureaus must resolve disputes within 30 days.
Continue your research
Use this guide alongside our product details and eligibility criteria before choosing a lender.
Key points and practical checks
- Bring card utilisation below 30% of the limit, ideally below 10%
- Never miss a due date — set standing instructions on every EMI
- Stop applying to multiple lenders at once; each hard enquiry costs points
- Keep old cards open — closing them shortens your credit history
- Clear 'settled' tags by paying the balance and obtaining a no-dues certificate
Frequently asked questions
What is the main takeaway from “How to lift your credit score in 90 days”?
Realistic actions that move the needle before you apply, and the ones that do nothing at all.
What should I check before acting on this credit score guide?
Start with these checks: Bring card utilisation below 30% of the limit, ideally below 10%; Never miss a due date — set standing instructions on every EMI; Stop applying to multiple lenders at once; each hard enquiry costs points. Your final eligibility, pricing and approval still depend on the lender’s assessment.
Can the information in this guide guarantee loan approval?
No. It is general educational information. A bank or NBFC makes the final decision after checking your credit profile, repayment capacity, documents and the applicable product policy.
How can iFINTRUST help after I read this guide?
An iFINTRUST advisor can review your requirement, explain the documents normally requested and help you compare suitable lending options before you apply.