When you pay all your EMIs on time, the information will be sent to credit bureaus, which will raise cibil score. If you’re unable to make repayments on time because of genuine reasons, you can request debt relief from the lender, but in India, it is not so easy to get debt relief. Click for continue reading.......
Source- https://blogscrolls.com/debt-relief-and-its-impact-on-credit-score/