Why my credit score is not increasing even if I make payments on time?

Check your credit report carefully. I'm sure there are a few negative items on your credit report. You need to remove them from your credit report. Otherwise, your credit score is less likely to improve. What is your present credit utilization ratio? Try to lower it. Check if there are any mistakes in your credit report.

You need to review your credit score to find if there is any error. If you find any error, then dispute ii. Also use credit cards and repay the bills on time to add positive records. With time you will get differences in your score.

Removing bad items from your credit report can improve your score. Che your credit report and if you find any error, then dispute them as soon as possible. Lower your credit utilization ratio by less using your credit card.