when credit score is updated

Your credit score is typically updated every 30 to 45 days, as this is the frequency with which most lenders historically reported credit activity to bureaus like CIBIL. However, the Reserve Bank of India (RBI) has mandated that all lenders must now update credit bureau records every 15 days, with this rule effective from January 1, 2025. This change means that new credit activities, such as timely EMI payments or changes in credit utilization, should be reflected in your score and credit report approximately twice a month, leading to a more current view of your credit health.