11/06/2025
Here are 5 practical tips to improve your credit score:
1. ✅ Pay All Bills On Time
Payment history makes up a big part of your credit score. Always pay your:
Credit cards
Loans
Utility bills
…on time to build a strong credit profile.
2. 💳 Keep Credit Card Balances Low
Try to keep your credit usage below 30% of your limit.
Example: If your limit is RM10,000, try not to use more than RM3,000 at a time.
3. 🧾 Check Your Credit Report Regularly
Review your CCRIS or CTOS report for errors or outdated information. Fixing mistakes can boost your score instantly.
4. 🔄 Avoid Too Many New Loan Applications
Every loan or credit card application triggers a credit check. Too many in a short time can lower your score and signal financial stress.
5. 📈 Build a Healthy Credit Mix
Having different types of credit (e.g. housing loan, personal loan, credit card) — and managing them well — can improve your score over time.
