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Co Signing Loans Can Damage Your Score Even If You Never Borrowed
Co signing exposes you to full repayment risk and any missed EMI reflects on your own score instantly.
When you co sign a loan, the entire loan repayment history gets mirrored onto your CIBIL profile.
Since payment history is 35% weightage, even one 30 day delay by the primary borrower can drop your score by 40–60 points instantly. A co signer is legally responsible to repay the full outstanding if the primary borrower defaults.
Co signing should be restricted only to spouse or direct dependent children and must always be documented with internal repayment clauses to ensure liability clarity.