Falling behind on EMIs, defaulting on a loan, or even facing job loss can leave your credit score badly bruised. It’s a stressful place to be, because suddenly credit gets expensive or even inaccessible. But the good news is that a low score is not permanent. With consistent steps, you can slowly rebuild your financial reputation and get back on track.

Start with a reality check

The first thing to do is face the numbers. Get a copy of your credit report from CIBIL or any bureau and look for errors. Sometimes the damage isn’t as bad as you fear, or it may be due to incorrect reporting. Dispute mistakes quickly, because clearing them up can lift your score faster than you think.

Build a repayment track record

Credit bureaus reward consistency. Even if you can’t clear all dues at once, st

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