Since your score is already near 800, it's more about staying consistent now. Keep your credit usage under 20%, avoid frequent new card applications, and don’t close your oldest accounts; account age matters.

Make sure your report is error-free. Banks will prioritize your steady income and good repayment history for a future home loan over minor credit score improvements.

Yes, you can change the date and amount for your SIP at any time, and you can update this on the mutual fund website.

Your fund house doesn't cancel or charge you for missing your first SIP. But always remember continuously missing the payments can definitely cancel your SIP, so try not to miss your SIP, as this will impact your portfolio.