21M, fresh B.Tech grad — credit score dropped 740→699 after one late payment on loans I took for a friend. Can I recover?
I have just refreshed my cibil score report in Paytm and it suddenly increased 54 points don't know how and my late payment was also removed from navi , do you guys know anything about this
Posted Aug 12, 2026, 3:24 AM UTC
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