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4h agoCo Signing Loans Can Damage Your Score Even If You Never Borrowed

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.
Discvr• By Sneha Pathak
Explore:Mutual Fund AI Screening
neutral
4h agoCo Signing Loans Can Damage Your Score Even If You Never Borrowed

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.
Discvr• By Sneha Pathak
Explore:Mutual Fund AI Screening
about 5 hours ago
1 min read
79 words

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.

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.
Companies:
TransUnion CIBIL
Tags:
credit score
co signer
credit score
co signer
loan risk
personal finance
CIBIL
Nov 8, 2025 • 09:49 IST