What actually moves your credit score

Your score is built mostly from on-time payments and how much of your limit you use (credit utilisation). Keeping utilisation under ~30% and never missing an EMI does most of the work.

Other factors: the age of your credit history, your mix of secured and unsecured loans, and recent hard enquiries. Too many loan applications in a short window can dent it.

Checking your own score through us is a soft inquiry — it has no impact. Hard enquiries only happen when a lender pulls your report to make a decision.