CIBIL Decoded: Why your credit score dropped and how to fix it
Last Update Date: 06-10-2026
Published by India Today
Abhishek Kumar's role: Quoted
Abhishek Kumar explained that regulated lenders must report borrower data to credit bureaus under a 2005 law, and pointed out the weight of payment history, the harm from high card use and late payments, and several score myths.
More of Abhishek's views on debt and loans
Part of an India Today series on credit scores, this article explains why scores matter to lenders, landlords and employers, and which habits pull them down, such as late payments and heavy card use. It covers the impact of defaults, steps to improve a score, and common myths.
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CIBIL Decoded: Why your credit score dropped and how to fix it