How do I quickly improve my credit score?

Fastest improvements: Pay all bills on time (even one late payment hurts for 12 months). Reduce credit card utilization to below 30% of limit. Do not close old credit cards (reduces credit age). Avoid multiple loan applications in 60 days (hard inquiries hurt). Check credit report for errors at CIBIL, Experian, Equifax, CRIF — dispute errors online.