If you have recently repaid a loan or cleared your credit card dues, there is good news for you.
You will no longer have to wait for months to see an improvement in your credit score.
The Reserve Bank of India (RBI) has changed the rules, making credit score updates much faster from 2026.
This move will help first-time home buyers, new loan applicants, and people trying to rebuild a low credit score.
What Has Changed in Credit Score Updates
Earlier, banks and NBFCs updated credit bureau data once every 30 to 45 days.
Because of this delay, even after repaying loans or clearing dues, people had to wait weeks to see any improvement.
From January 2025, RBI instructed banks and NBFCs to send credit data at least twice every month.
As a result, the impact of loan closure or prepayment now starts showing in about two weeks instead of over a month.
Weekly Credit Score Updates From 2026
RBI has now taken another big step.
From 2026, credit scores are expected to be updated every 7 days.
Credit data will be refreshed on the 7th, 14th, 21st, 28th, and the last day of each month.
This means actions like paying EMIs on time, closing a credit card, or correcting an error in your report will reflect much faster.
In many cases, changes may appear within just a few days.
Credit Score Is Not Fixed Once a Month
Many people believe that credit scores are updated only once a month, but that is not true.
Your score is calculated based on the latest available data whenever your report is updated or accessed by a bank.
Late payments, new loans, timely EMIs, or account closures can affect your credit score immediately once the data is refreshed.
Faster updates will now ensure your good financial habits are rewarded without long delays.
Why This Matters for Borrowers
With quicker credit score updates, borrowers can apply for loans sooner, get better interest rates, and correct mistakes faster.
Overall, the new system brings more transparency and fairness to credit reporting, making it easier for responsible borrowers to move ahead financially.
