Last updated: 21 August 2026
Positive
- On-time payments (35% weight)
- Credit mix (10%)
- Credit age — purana card
- High limit + low use
Negative
- Late payment (30+ din)
- Utilization 30%+
- Multiple hard inquiries
- Card close (age kam)
30% Rule
Utilization 30% se kam — full guide.
Frequently Asked Questions
Q: How long to build?
A: 3-6 months on-time usage.
Q: Does checking hurt?
A: Soft check no. Hard inquiry -5-10 temporary.
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