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Why your credit score can drop despite paying every EMI on time

17 Sept 2026 · 23h ago

Your credit score can fall even with perfect EMI payments. High credit utilisation, frequent loan inquiries, closed old cards, and reporting errors all matter. RBI's new fortnightly credit reporting rule (from January 2025) also means that changes will be reflected faster than before.

This article was aggregated from LiveMint — Money. Continue reading for the complete story.

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