Fixing your credit score can take over 30 days of time or longer. The RBI has issued a rule that every Credit Information Company in India must give one Full Credit Report to every individual for free once a year! You can utilize this information from the report to check for any errors. If you do have errors, contact your lender and get the error rectified. You can then repay all your dues and bills on time as delayed payment can have a negative impact on your credit score even if it is just a few days late. Use your credit card under 50% of its limit or you could be considered credit hungry and this can have a negative impact on your credit score. Also, do not apply for several new credit cards as this could also lower your credit score.