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8 Good Credit Habits For 750+ Credit Score

Updated on June 12, 2024 , 1348 views

*A good Credit Score makes your financial life easier. You can confidently apply for a credit card and loan. But, not everyone makes a 750+ score in their Credit Report.

Good Credit Habits

If you want to make your credit life strong, the simplest way to get there is to have good credit habits.*

Credit Habits to Reach 750+ Credit Score

There are certain points that one needs to keep in mind in order to have a Good Credit score:

  • Checking your credit score
  • Paying your bills on time
  • Managing your debt-to-Income ratio
  • Avoiding too many hard inquiries
  • Clearing all previous payments
  • Maintaining credit limits
  • Closely monitoring credit reports
  • Maintaining contingency fund

Let’s have a look at all the above-mentioned points one by one.

1. Checking your credit score

First things first, check your credit score and know your worth. Generally, the score ranges from 300-900, the higher the score the better are the chances of quick credit approvals.

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2. Paying your bills on time

The most important aspect of having a good credit score is to pay your credit card dues and loan EMIs on or before the due date. When you get into such good credit habits, it becomes very easy for you to maintain a strong score.

3. Managing your debt-to-income ratio

The debt-to-income ratio is where your monthly debt payments are divided by gross monthly income. This gives a fair idea to lenders whether you will be able to repay the debt on time.

4. Avoiding too many hard inquiries

A hard credit inquiry is performed by lenders when you apply for a credit card or loan. And, this Hard Inquiry will stay on your report for up to two years. After 6 months, this doesn’t affect your score. But, too many credit inquiries in a short span is a Bad Credit habit and this can bring your score down.

5. Clearing all previous payments

Another important Factor of having a good credit score is clearing all previous payments. By doing this, the lenders get confidence that you don’t owe too much debt and you are responsible enough to pay your higher loan EMIs on time.

6. Maintaining credit limits

Credit limits are normally set by banks, financial institution and retailers. Make sure that you don’t exceed your Credit Limit as this is a bad credit habit, which will create a bad Impression on the lenders. Also, this will reduce your chances of getting new credit cards. Ideally, you should stick to 30-40% of the credit limit.

7. Closely monitoring credit reports

Monitoring your credit report is a good credit habit as it includes your credit history and personal information. While reading them, ensure all your details are accurate. If you come across any error then get it rectified immediately as error brings your score down.

Every year you are entitled to one free credit report by major RBI- registered Credit Bureaus like CIBIL Score, CRIF High Mark, Experian and Equifax. Ensure you enrol for it and make the best use.

8. Maintaining contingency fund

An emergency can come anytime! Ensure you maintain a contingency fund so that you are prepared for all emergencies. You can save your money into fixed deposits, recurring deposits or other investments like Mutual Funds, etc.


Good credit habits lead to good credit score. Paying your bills on time, clearing your dues, keeping a track of credit reports will help you to achieve your Financial goals.

Author By Rohini Hiremath

Rohini Hiremath works as a Content Head at Her passion is to deliver financial knowledge to the masses in simple language. She has a strong background in start-ups and diverse content. Rohini is also an SEO expert, coach and motivating team head! You can connect with her at

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