A poor credit score can become a hurdle in availing credit products like loans and credit cards, and can stand in the way of fulfilling lifegoals like buying a house.

Bad habits are often hard to change, but if such habits are spotted in time and replaced with a good habit, it can result in beneficial transformations, steering you towards a better future.

This holds true not just for bad habits in general but also for financial indiscipline, which could lead to a poor credit score.

Generally, a low credit score is not the result of a single financial mistake but reckless handling of credit for several months. A poor credit…