CIBIL Score Old Rules vs New Rules: RBI’s 2025 Update Explained

Introduction

The Reserve Bank of India (RBI) has introduced new guidelines for credit bureaus like CIBIL, Experian, Equifax, and CRIF Highmark. These rules are designed to improve accuracy, transparency, and fairness in credit reporting. Borrowers who often face issues with wrong credit scores, EMI updates, or delayed loan approvals will now benefit from this major change.

In this blog, we’ll compare the old rules vs new rules of CIBIL score in a simple table format to help you understand the difference.

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CIBIL Score Old Rules vs New Rules (Comparison Table)

Here’s a side-by-side comparison of the old and new rules:

Aspect	Old Rules	New Rules (RBI 2025 Update)
Error Correction Timeline	No fixed timeline, could take months	Must be resolved within 21 days
Credit Report Access	Paid reports (Free access limited)	1 free credit report per year from each bureau
EMI & Loan Updates	Updates could take weeks	Real-time/quick updates within a few days
Loan Rejection Reason	No clear reason given	Lenders must provide specific reasons for rejection
Dispute Resolution	Complicated and lengthy process	Stronger system with faster resolution

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Key Benefits of the New CIBIL Rules

1. Borrower-Friendly System – Faster updates mean no delays in improving your credit score.
2. Transparency – You will know the exact reason for loan rejection.
3. Error-Free Reports – Any mistake in your CIBIL report will be fixed quickly.
4. Free Monitoring – Annual free reports allow you to keep track of your credit health.
5. Fairer Lending Decisions – Borrowers with a good track record will get loans more easily.

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Conclusion

The RBI’s latest move to update CIBIL score rules is a major relief for borrowers. By reducing delays, allowing free access to credit reports, and ensuring faster error correction, the system has become more transparent and borrower-friendly.

For those managing EMIs, loans, or credit cards, this update ensures that your financial discipline reflects in your credit score without unnecessary delays or errors.

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FAQs

Q1. How many free credit reports can I get under the new rules?
You can get one free credit report per year from each bureau (CIBIL, Experian, Equifax, CRIF Highmark).

Q2. How quickly will EMI payments show in my CIBIL score now?
Banks must update EMI and loan repayments within a few days instead of weeks.

Q3. What if my loan is rejected due to CIBIL score?
The lender must now provide a clear reason for the rejection.

Q4. How long does it take to fix errors in a CIBIL report?
Under RBI’s new rule, disputes must be resolved within 21 days.