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Omozing Answers › Credit scores and bureaus
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
Illustrative. Timing depends on when your lender’s reporting date falls and how long the bureau takes to process the file.
| Until 2024 | From January 2025 | From 1 July 2026 | |
|---|---|---|---|
| How often lenders report | Monthly | Fortnightly | Four times a month (9th, 16th, 23rd, month-end) |
| Typical wait for an update | Often 30–45 days | About 2–4 weeks | About 1–2 weeks |
Faster reporting cuts both ways. A cleared loan shows up sooner, which helps when you’re about to apply. A missed EMI also shows up sooner, so there is less time to sort out a payment slip before it is on your record.
Ask the lender for a no-objection or no-dues certificate (NOC) when you close any loan, including small app loans.
Lenders report to TransUnion CIBIL, Experian, Equifax and CRIF High Mark. One may have updated before the others.
Disputes must be resolved within 30 days. If they take longer, the RBI’s framework entitles you to ₹100 for each day of delay. Step-by-step dispute guide.
Omozing considers salaried applicants with a score from 600 and a take-home of ₹40,000 or more, and a credit officer reads your full report.
Whenever lenders send new data. From 1 July 2026 lenders report four times a month (the 9th, 16th, 23rd and the last day of the month), so most changes appear within one to two weeks.
Usually within one to two weeks under the 2026 reporting rules. If it hasn’t changed after about a month, raise a dispute with the bureau and attach your no-dues certificate.
Apps may use different bureaus, and each bureau gets data on its own schedule and uses its own scoring model, so small differences are normal.
Your score is recalculated when new information reaches the bureau, which now happens several times a month rather than every day.
Under the RBI’s compensation framework you are entitled to ₹100 for each day of delay beyond 30 days, paid by the lender or bureau responsible for the delay.
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Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.