How long does it take to fix a credit score?

Fixing a credit score in India typically takes between 3 to 12 months, depending on the severity of the issues. Minor improvements, like reducing credit utilization, may reflect within 30 to 60 days once lenders report updates to credit bureaus like CIBIL. However, recovering from major defaults or settlements can take several years. Key factors include:

• On-time payments: Consistently paying EMIs and bills by the due date.
• Credit utilization: Keeping credit card usage below 30 percent of the limit.
• Error correction: Disputing inaccuracies in your credit report with the concerned bureau.