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🚀 CIBIL Score Flex! Let’s See Yours! 🚀

SJM

SJM

TF Legend
RBIO King
Just checked my CIBIL score, and it’s looking 🔥809! 🎉💰 Hard work, smart credit usage, and on-time payments are paying off!

Show off yours! Drop a screenshot of your CIBIL score in the comments and let’s celebrate those high numbers together. 📊💪

Who’s got the highest score here? Let’s brag a little! 😎🔥

1740671108735.webp

Leaderboard:
🥇 Gold - @Lordkk 811
🥈 Silver - @HellsFury 810
🥉 Bronze - @SJM 809


Other 800 Club Members:
808 - @realSP, @naveenjoshi
807 - @Prem03, @sanzz
806 - @percolate
805 - @iamdhamo
804 - @TechnoFino, @MilesMinter
803 - @Jatayu
801 - @srinadhjyothi, @great, @MartianManhunter
800 - @iamvk, @Yugi, @SSV, @shu_sha_



P.S. You can check your credit scores for free:
  • CIBIL: GPay, Paisabazaar, Cred, OneScore and once a year in CIBIL official site/app.
  • CRIF: Cred (some accounts), Airtel Thanks, Mobikwik, MoneyControl and once a year in CRIF official site/app.
  • Equifax: Paisabazaar, Tata Nue and once a year in Equifax official site/app.
  • Experian: Paisabazaar, One Score, BankBazaar, PhonePe, PayTM and daily in Experian official site/app.
 
Last edited:
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hender said:
Fantastic score 👏 😍
Do share more about the credit profile, history, number of cards /loans etc. - so readers can have better understanding.
Click to expand...
Total 37 CC accounts, no any active loans. No single delayed payment ever. Journey started in 2010 with hdfc gold cc having 15k limit. Then kept collecting more cards. Most of them are LTF. Did multiple upgrades, limit enhancements and disciplined usage. favourite cc is hdfc dcb metal and limit is above 15L. Overall used limit remains mostly 1-2%. Highest cibil ever was 811 once. Faced rejections on scapia & AU cc only so far. self employed with ITR is below 10L.
 
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DeadFella said:
Total 37 CC accounts, no any active loans. No single delayed payment ever. Journey started in 2010 with hdfc gold cc having 15k limit. Then kept collecting more cards. Most of them are LTF. Did multiple upgrades, limit enhancements and disciplined usage. favourite cc is hdfc dcb metal and limit is above 15L. Overall used limit remains mostly 1-2%. Highest cibil ever was 811 once. Faced rejections on scapia & AU cc only so far. self employed with ITR is below 10L.
Click to expand...
It's a REAL Fella not deadfella !! Thanks for sharing complete Journey 😊 😊
 
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DeadFella said:
Total 37 CC accounts, no any active loans. No single delayed payment ever. Journey started in 2010 with hdfc gold cc having 15k limit. Then kept collecting more cards. Most of them are LTF. Did multiple upgrades, limit enhancements and disciplined usage. favourite cc is hdfc dcb metal and limit is above 15L. Overall used limit remains mostly 1-2%. Highest cibil ever was 811 once. Faced rejections on scapia & AU cc only so far. self employed with ITR is below 10L.
Click to expand...

The most important reason is NOT MISSING A SINGLE DUE DATE of CC bill payments.

The number of CCs n loans DOES NOT MATTER in ensuring a good/great CIBIL score.

Of course, some bankers may refuse new cards - due to such over leverage status.

So, stay focussed on before-time payments than repent later. Be first-payers than being late-johnnies.
 
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RAMESH BABU N said:
The most important reason is NOT MISSING A SINGLE DUE DATE of CC bill payments.

The number of CCs n loans DOES NOT MATTER in ensuring a good/great CIBIL score.

Of course, some bankers may refuse new cards - due to such over leverage status.

So, stay focussed on before-time payments than repent later. Be first-payers than being late-johnnies.
Click to expand...
1st and Golden Rule of Financial World - 'Always Pay on Time'
 
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DeadFella said:
Total 37 CC accounts, no any active loans. No single delayed payment ever. Journey started in 2010 with hdfc gold cc having 15k limit. Then kept collecting more cards. Most of them are LTF. Did multiple upgrades, limit enhancements and disciplined usage. favourite cc is hdfc dcb metal and limit is above 15L. Overall used limit remains mostly 1-2%. Highest cibil ever was 811 once. Faced rejections on scapia & AU cc only so far. self employed with ITR is below 10L.
Click to expand...
37 CCs pr 800 club !!
 
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DeadFella said:
Total 37 CC accounts, no any active loans. No single delayed payment ever. Journey started in 2010 with hdfc gold cc having 15k limit. Then kept collecting more cards. Most of them are LTF. Did multiple upgrades, limit enhancements and disciplined usage. favourite cc is hdfc dcb metal and limit is above 15L. Overall used limit remains mostly 1-2%. Highest cibil ever was 811 once. Faced rejections on scapia & AU cc only so far. self employed with ITR is below 10L.
Click to expand...
If you want to beat everyone here and go straight to the top of the leader board
Then
Keep outstanding balancecof 0 or - ve for every CC in your portfolio by a reporting date once then your score will be 813....
Ie you need to prepay all your CCs by 15th or 30th ...
Anyway your current utilization is 1 to 2 % , so it is not difficult to make it 0 or less ...
The key point here is every account should be 0 or less...

All the best..
This is just for fun...
 
Last edited:
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hender said:
Inplace of 30th or 31st or 15 next month, it got updated in between on 9th, that's my query Sir, 👍
Click to expand...
but what happens is:
Every bank reports on different dates and hence this anamoly....

by 9th all my banks reported their balances as on 30/10 ..and their outstanding balances were 0 / -ve...

hope you understood..
 
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jro said:
Any way to fix your score if a couple of payments were missed? Looking for a good consultant to help me fix my score.
Click to expand...
Dont spend. Dont hire anyone.
Nothing is going to happen with that.

ONLY, you can rectify it. BE EXTREMELY CAREFUL IN ALL YOUR REPAYMENTS - PAY BEFORE THE DUE DATES. PREFERABLY, EVEN BEFORE BILLS ARE RAISED.

NEVER DEFAULT.

Scores will automatically improve.

Don't believe anyone who says that he can fix it.
 
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jro said:
Thanks @RAMESH BABU N - Any idea how long this will take? Its somewhat bittersweet for me given my near perfect track record so far.

@Dr.AMAN - suggested I write to the Nodal officer in another thread - I have done this since. Both the RM and BM are not able to help in my case.

🙁🙁
Click to expand...
It will take atleast 2-3 years for score to go up. But the negative mark will be there forever.
 
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SSV said:
If you want to beat everyone here and go straight to the top of the leader board
Then
Keep outstanding balancecof 0 or - ve for every CC in your portfolio by a reporting date once then your score will be 813....
Ie you need to prepay all your CCs by 15th or 30th ...
Anyway your current utilization is 1 to 2 % , so it is not difficult to make it 0 or less ...
The key point here is every account should be 0 or less...

All the best..
This is just for fun...
Click to expand...
Thanks, will try this. Not a big deal to keep zero balance for 2-3 months.
 
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