CIBIL recovery timeline
The #1 rational fear: “settlement ruins my score forever.” It doesn't — but recovery is a curve, and your behaviour shapes it.
Do nothing after settlement
+105 pts by month 36Score stays suppressed for years. Dues show as 'Settled' with no new positive history.
Add a secured credit card
+175 pts by month 36Small, fully-paid credit lines rebuild payment history fastest.
Secured card + on-time EMI behaviour
+255 pts by month 36The gold standard: low utilisation, zero late payments, steady mix.
Disclaimer: This chart is an illustrative model, not bureau data. Actual CIBIL behaviour depends on your full credit file. Settlement entries remain on your report for up to 7 years but weigh less over time as new positive history accumulates.