Your CIBIL score is updated automatically by TransUnion CIBIL after receiving your credit activity data from your banks and financial institutions (Credit Institutions). This update typically occurs every 30 to 45 days. To positively influence your score, focus on consistently disciplined credit behaviour. If you find an error on your report, you must file a dispute with CIBIL for correction.
- Pay all credit card bills and loan EMIs on or before the due date.
- Keep your credit utilisation ratio low, ideally below 30% of your credit limit.
- Avoid applying for multiple new loans or credit cards in a short period.