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Major Defaults Can Take Up To Seven Years To Fully Dilute On Your CIBIL Report
Defaults remain visible up to seven years so long term consistency is required to dilute old damage.
Severe negative events such as loan write off, charge off, repossession, foreclosure or bankruptcy remain visible on bureau records for up to seven years.
Even if you rebuild behaviour post default, the negative entry continues to influence risk models until it is diluted by multiple years of new clean repayment cycles. The fastest recovery pattern is to maintain 100% on time EMI history and below 30% utilisation every month for 48-60 months.
Over time, lenders shift focus from past default to new consistent performance momentum.