Your credit score reflects your creditworthiness and financial behaviour, which helps lenders assess your eligibility for a loan. The credit score ranges between 300 to 900 and can increase or decrease based on your loan repayment history, credit mix, credit utilisation ratio, etc. But have you ever wondered in how many days your CIBIL score gets updated? The answer to this lies in the CIBIL score update time.
Typically, your CIBIL score gets updated every 30-45 days once reported by the financial institutions. However, it is based on several factors as well, which we'll understand with the help of this blog. So, let's get started!
Process and Timeline for CIBIL Score Update

Banks and NBFCs usually report your credit activity to credit bureaus once a month. So, if you've taken steps to improve your credit score, you can expect to see the changes reflected within 30 to 45 days.
Here is the general timeline for credit score improvement:
Quick Changes
If you make positive changes, such as correcting an error on your CIBIL report or making a payment for significant payment for your debt, you may see an increase in your score within 30-45 days. This is typically the time a lender takes to report updated information to the credit bureaus.
Noticeable Progress
For most individuals who are planning to rebuild their CIBIL score after missing payments or high credit utilisation, it generally takes 3-6 months to see a good credit score only if you keep it consistent.
Significant Improvement
If your goal is to move your credit score from poor to good, it may take up to 6-12 months of time to see that growth. At the same time, you must be consistent by making all payments on time and reducing debt utilisation.
Factors Influencing CIBIL Score Update Time
Here are several factors that affect the speed of improvement:
1. Payment History
Your EMI payments are the most important factor in your credit score and have a weightage of 35% on your credit score. While making the EMI payments on time boosts your credit score, missed EMI payments can negatively impact your CIBIL score.
2. Credit Utilization Ratio
Whenever you increase or decrease your credit utilization, your score gets updated. An increase in credit utilization could minimise your CIBIL score, while lowering your credit utilization boosts your score. Ideally, you should keep your credit utilization ratio below 30%.
3. Length of Credit History
Closing your credit account can reduce your average credit age. On the other hand, if you have a longer credit history or you have not closed your old account, it can help your score in the long run.
For example, if your oldest credit card is 5 years old and you close it, your length of credit history decreases to the next most recent credit account.
4. Credit Mix
Having a diverse mix, such as secured and unsecured loans and credit cards, can help you get a good CIBIL score. Adding any new type of credit and managing it responsibly will result in a higher score.
5. New Credit Requests
Frequently applying for new credit, like a loan or a credit card, impacts your credit score. When you apply for a new credit, such as a Personal Loan, home loans, credit card, or any other credit type, an inquiry is made on your credit report to obtain the credit information. This is known as a hard inquiry, and it temporarily affects your credit score.
A new credit application is a good step towards building a credit score. However, multiple credit applications within a short time can lead to too many hard inquiries, reducing your credit score.
Also Read - How to Improve CIBIL Score to Get a Loan at Lower Interest Rates?
Reasons Why Your CIBIL Score Is Not Getting Updated
Here are some major factors you must look out for if you are stuck with the same CIBIL score:
1. Limited Credit Activity
If you don't have a mix of credit products, such as credit cards, secured and unsecured loans or your credit activity has been minimal for a long period, your CIBIL score may remain stagnant. But if you have a diverse mix of credit, it can help you increase your credit score.
2. Delayed Reporting
Whenever you apply for new credit, make EMI payments, or foreclose a loan, your lender reports all these activities to the credit bureaus every 30 days. If your lender delays in reporting these activities, credit score updates might get delayed, and it will affect your credit profile.
3. Errors in Your Credit Report
Errors and inaccuracies in your credit report can negatively influence your credit score. Inaccuracies, such as incorrect payment history on your unsecured credit, unknown credit card usage, unexpected credit card bills, unknown loan application or accounts that do not belong to you, can impact the calculation of your score. Hence, you should check your credit report regularly and take action to correct the inaccuracies (if any).
What is Slowing Down Your Credit Score Update Process
Here are some reasons that may be slowing down your credit score updates throughout the credit journey:
- Multiple missed or non-timely repayments.
- Too many loans or credit card applications in a short period.
- High credit utilisation or exceeding credit card limits.
- Negative events such as loan defaults, foreclosures, and bankruptcy can take years to fade from your credit report.
Tips to Boost Your Credit Score
Let's take a look at some tips to boost your credit score or CIBIL score:
Timely Repayments
Set up automated payments to avoid any late payments, as it is the most influential factor that can help you boost your CIBIL score. Consistent, responsible credit management behaviour can help you achieve a healthy credit score.
Outstanding Balances
Clear your high-interest outstanding debts, especially credit card balances, to reduce your loan utilisation ratio.
Limit New Credit Applications
Reduce or avoid applying for multiple loan applications for sometime, as this attracts hard inquiry, which results in a lower credit score.
Monitor Credit Report
Keep checking your credit reports from time to time. Look for any inaccuracies or outdated information that you are not aware of and raise a dispute to resolve it instantly.
Responsible Credit Use
Avoid exceeding your credit limit. Reduce your credit utilisation to 30% as advised by most lenders.
Steps to Check CIBIL Score
Checking your CIBIL score is simple with Poonawalla Fincorp. Just follow these steps:
- Step 1: Click on “Free CIBIL Score”.
- Step 2: Enter your details, such as first name, last name, PAN number, and mobile no.
- Step 3: Verify your OTP and enter your date of birth, PIN code, and gender. Hit the ‘Submit’ button.
Also Read - How CIBIL Score is Calculated | A Step-by-Step Guide
To Conclude
Your CIBIL score is updated every 30 to 45 days. Some of the common factors affecting your credit score are new credit applications, EMI payments, debt repayment, loan foreclosure, and changes in credit utilisation ratio. But sometimes, your CIBIL score may not get updated due to limited credit activity, delayed reporting by lenders, or errors in your credit report.
Hence, you should be proactive about checking your credit report and score on a regular basis to avoid uncertainties. Trusted NBFCs like Poonawalla Fincorp enable you to check your credit score for free with their free CIBIL checker tools.
Frequently Asked Questions
After how many days CIBIL score updated?
The Banks and NBFCs typically report credit data every month. So, your CIBIL score is typically updated every 30 to 45 days after lenders report your credit activity to the credit bureaus.
Why is my CIBIL score not updating?
As a mandate issues by the Reserve Bank of India, the lenders need to update credit information on a bi-weekly basis instead of monthly. However, possible reasons include limited credit activity, delayed lender reporting, or errors in your credit report.
How long does it take to rebuild a poor CIBIL score?
Rebuilding a poor score can take 6-12 months with consistent repayments and responsible credit usage.
Does closing old credit accounts affect my score?
Yes, closing old accounts can reduce your credit history length, potentially lowering your score.
How do I correct errors in my CIBIL report?
You can raise a dispute with CIBIL online by submitting the correct information and supporting documents.
We take utmost care to provide information based on internal data and reliable sources. However, this article and associated web pages provide generic information for reference purposes only. Readers must make an informed decision by reviewing the products offered and the terms and conditions. Loan disbursal is at the sole discretion of Poonawalla Fincorp.
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