1. Pay every instalment on time — CCRIS records the last 12 months of payment behaviour. 2. Keep credit card utilisation below 70% of your limit. 3. Settle small outstanding balances before applying for new financing. 4. Avoid submitting many loan applications at once; each enquiry is visible. 5. Check your CTOS report yearly and dispute errors early.
Six months of clean records already makes a visible difference to lenders.