How can I improve my credit score of 600?

Improving a credit score of 600 takes patience and steady effort. Start by checking your credit report from all major bureaus. Look for errors or old defaults and get them corrected quickly. Paying all your loan EMIs and credit card bills on time is the single most important step. Even a single missed payment can injure your score. So set up reminders or auto-payments if needed. Keep your credit card balances low. Try not to use more than 30% of your available credit limit as high credit use signals risk to lenders.

Avoid making too many new credit applications at once. Every application creates a hard inquiry, which can lower your score a bit. Be selective and only apply for credit you truly need. Keep up a healthy mix of secured as well as unsecured loans like a combination of a credit card and a personal or auto loan.

If you have old debts or settled accounts, work on clearing them. Consider combining high interest debts into a single manageable loan. Don’t close old credit accounts, as a longer credit history helps your score.

With consistent good habits, your score will gradually rise, opening doors to better loans and credit card offers.