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Ruined My CIBIL Score in College, Now Debt-Free, How Do I Fix It?
I need advice from someone working in credit-based companies like TransUnion, CIBIL, or a bank. I completely destroyed my CIBIL score during my college days. I was studying in another state and wasn’t aware of financial management. I got into 💊, 🍁, and other bad habits, which led to excessive spending beyond my credit limits. I kept taking loans on top of loans, ultimately ruining my financial health. Now, I’m completely clean, no 🍁💊, no bad habits. I’ve understood my mistakes, confessed everything to my loved ones, and turned my life around. It has been 2 years since my college days, and I’m now doing freelancing. I don’t want to share more personal details, but the only issue I’m struggling with is my CIBIL score. It’s completely dead, and I don’t know how to restore it. I have already settled all my dues, including late fees. The loans were mainly from NBFCs like mPokket, Slice, etc. Is there any hope of rebuilding my CIBIL score? If so, how?4
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