When is a credit score generated?

A credit score is typically generated once you have at least six months of active credit history reported to credit bureaus like CIBIL. It is calculated based on information provided by banks and financial institutions, such as your repayment behavior and credit utilization. For new users, a score may show as NH (No History) or NA until sufficient data is available. Once established, lenders report your activity monthly, and your score is updated periodically to reflect your latest financial discipline.