There is no fixed time for rebuilding your score. Naturally, the lower your score, the longer it will take. A credit score of 750 is seen as the minimum required in order to have a good chance of qualifying for loans and avoiding rejection.

On average, it takes 4-12 months to reach a stage where you can become loan-eligible. If your score is between 650 and 700, it will take a few months to reach 750. If your score is less than 650, it will take more time.

There is no overnight quick fix for improving your score. Just like your health report, it takes some patience, change in habits, and self-discipline to see results. Once you achieve a good score, the rewards are life-long.

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CreditMantri Finserv Private Limited

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U72100TN2012PTC085154

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CA0665

Valid Till

01-Aug-2025

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