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The credit score is issued by 4 credit bureaus in India which are CIBIL™, Equifax, CRIF High Mark and Experian. If you are planning to apply for a loan, it is best to check your score well in advance so that if it is low, you have enough time to improve it before sending in your loan application. It can take anything from 4-12 months to improve your score, depending on your individual situation.

The closer your score is to 750, the less time it will take to improve your credit score. If your score is on the lower end and less than 600, then it will naturally take a longer time to increase your score to 750.

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