Your Score Is Just the Beginning — Let’s Help You Grow from Here

Rebuilding your credit score may take a few months for minor delays, while defaults or bankruptcy can take up to seven years. Making timely repayments helps, and you can also see how to get out of loan default for practical guidance.

You can start building your credit history by applying for a secured or starter credit card and paying on time. Another option is becoming an authorised user on a family member’s card. Non-credit users can also begin building their credit score by using an EMI card. With responsible use of credit for 6 to 12 months, you can establish a good history.

The average credit score in India is about 715. A score above 685 is generally seen as good, whereas 750 or higher is considered excellent. A higher score improves your chances of getting loans or credit cards on favourable terms.

The CIBIL score is a three-digit number between 300 and 900 that shows your creditworthiness. It is based on your credit history, repayment behaviour, and credit use. Lenders in India rely on this score when deciding whether to approve loans or credit cards.

A CIBIL report is a detailed record of your credit profile. It includes your personal and job details, current and past loans or credit cards, payment history, and lender inquiries. Generated by TransUnion CIBIL, it is widely used by Indian banks and lenders.

Your CIBIL report provides your credit score, identity details, employment information, loan and credit card accounts, repayment records, outstanding balances, and lender inquiries. It helps give a full picture of your borrowing and repayment behaviour over time.

Your CIBIL score is mainly affected by payment history, credit owed, length of credit history, types of credit accounts, and recent inquiries. Paying on time, using less credit, and keeping a mix of accounts help improve and maintain a good score.

Checking your CIBIL score regularly helps spot mistakes, detect fraud, and understand your eligibility for loans. It also supports better financial planning and allows you to negotiate improved loan terms, since you know your exact standing with lenders.

If you notice an error in your report, raise a CIBIL dispute online or in writing. Provide proof of the mistake. CIBIL will verify with your bank and update the report if confirmed. This process usually takes about 30 days.

CIBIL cannot delete or change records on its own. Updates only happen after confirmation from your bank or lender. Once errors are verified and corrected, the report is updated. Genuine defaults remain for up to seven years, ensuring accuracy of your history.