When does your credit score update?

Your credit score typically updates once a month, though it can change more frequently depending on when lenders report data to credit bureaus like CIBIL, Equifax, or Experian. In India, banks and financial institutions generally submit your repayment information and account details every 30 to 45 days. If you have multiple loans or credit cards, each lender may report on a different date, causing your score to fluctuate throughout the month. Regular monitoring helps ensure your credit history accurately reflects your current financial behavior.