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Omozing Answers › Credit scores and bureaus › Score bands
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
Band labels are a general guide. Each lender sets its own cut-offs, and each bureau scores slightly differently.
A thin file or high card use rarely pushes a score this low on its own. Below 550, the report almost always carries one or more of the entries below. Find yours first, because the fix depends on which it is.
| What the report shows | What it means | First move |
|---|---|---|
| DPD climbing month after month, SMA or NPA/SUB | An account is overdue right now and getting worse every month | Bring it current or agree a plan with the lender today |
| Written off | The lender booked the unpaid amount as a loss | Pay or settle, then check the status is updated. What written off means |
| Settled | You paid less than you owed | Paying the shortfall and asking for “closed” helps. Settled vs closed |
| Several missed EMIs in the last year | A recent pattern, which weighs most | Auto-debit every payment from now on |
| A loan you never took, or a paid loan shown as overdue | An error or fraud | Dispute it free with the bureau; it must be resolved within 30 days |
Most banks and NBFCs decline personal loans and new cards here. Omozing’s criteria start from 600, so we would ask you to rebuild first.
A secured credit card against a fixed deposit can help rebuild. How secured cards work.
Apps that lend at this level often charge high fees on short tenures, and one missed repayment adds to the damage.
No one can remove accurate negative entries for money. Only errors can be corrected, and that is free. Why paid removal is a myth.
Download your free annual report from CIBIL, Experian, Equifax and CRIF High Mark. List each account that is overdue, settled or written off.
An account still overdue adds a fresh late month every cycle. Clearing it, or agreeing a plan with the lender, comes before anything else.
Errors are corrected free. If the bureau and lender miss the 30-day deadline, you are owed ₹100 for each day of delay. How to dispute.
An active card or loan paid on time every month is what adds clean history on top of the old problems.
Rejections at this level add hard enquiries and make the next lender more cautious.
Lenders now report four times a month, so a fix usually shows within one to two weeks.
Expect the score to move in stages rather than in one jump. The old entries stay visible for years but weigh less as they age, while each clean month counts in your favour. Our guide on rebuilding after a default covers the longer road, and the 550–599 band is the next milestone.
Our Credit Score Booster reviews your report with you and sets out what to fix first. No one can promise a particular score.
It is very hard with most lenders, because unsecured loans at this level are rarely approved. Omozing starts from 600, so the realistic path is to resolve overdue accounts and rebuild first.
No. There is no blacklist. Lenders read your credit report and decide for themselves, and your report improves as clean months build up.
It stops new damage and the update usually shows within one to two weeks, but the past late months stay on record, so the score recovers gradually.
There is no fixed timeline. It depends on how many accounts are affected and how recent they are; steady progress usually takes many months of clean payments.
No one can remove accurate negative information for a fee. Errors can be corrected, and that is free through the bureau’s dispute process.
Next questions people ask:
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.