How long does it take to recover a credit score?

Recovering a credit score in India typically takes 3 to 6 months of consistent, positive financial behavior. The exact timeline depends on the reason for the low score:

• Minor issues: Paying off high credit card balances or correcting report errors can show results within 30 to 60 days.
• Major issues: Recovering from late payments, defaults, or loan settlements often requires 6 to 12 months of disciplined on-time repayments.

Maintaining low credit utilization and avoiding multiple new credit applications are essential for steady improvement.