when do credit scores update

Credit scores, such as your CIBIL score, are typically updated every 30 to 45 days. This update frequency is determined by your financial institutions, as they report fresh data on your loan repayments, outstanding balances, and credit activity to the credit bureaus on a monthly cycle. However, a Reserve Bank of India (RBI) rule, effective January 1, 2025, now mandates all lenders to update credit bureau records every 15 days, which should lead to more accurate and frequent score reflections.