The Reserve Bank of India (RBI) has several guidelines for CIBIL scores, including:

• Credit score updates: Starting January 1, 2025, lenders must report credit information to credit information companies (CICs) like CIBIL every two weeks. This will result in faster updates to CIBIL scores. 
• Free credit reports: Credit companies must provide a free full credit report, including a credit score, to customers once a year. The credit company must display a link on its website for customers to access their report. 
• Informing customers: If a bank or NBFC checks a customer's credit report, they must inform the customer. This can be done via SMS or email. 
• Reason for rejection: If a customer's request is rejected, the customer must be told the reason. 
• Default notifications: Before reporting a customer's default, the customer must be informed. 
• Complaint resolution: Credit information companies must resolve complaints within 30 days. If they don't, they must pay a fine of Rs 100 per day for each day the complaint is unresolved. 
• Nodal officer: Banks and loan institutions should appoint a nodal officer to solve credit score issues.