cibil score

🌟 Appreciation Post for HDFC Bank – A Great Start for First-Time Credit Card Applicants 💳 Why am I writing this post? When I decided to help my brother apply for an HDFC Bank credit card—with zero CIBIL score, no prior credit history, and no existing relationship with HDFC—I was genuinely...

Today I noticed something interesting with CIBIL score. I have CIBIL subscription and it shows my score on app as 801. I was exploring a few options for Home loan & went to Bank of India for inquiry. They told me a hard inquiry is needed to get exact ROI to which I agreed and I already knew that...

I am planning to make a part pre-payment on my home loan and would like to adjust the monthly EMI based on the reduced principal balance after the payment. However, the bank official informed me that adjusting the EMI in this way would be reported as a “loan rescheduled” entry in CIBIL...

Hi CC Experts, Need your help to understand one situation. I raised a concern to CIBIL about less CIBIL score later I have come to know one issue about my report in the official mail reply. CIBIL team stated that the SBI card which I have closed in the year 2018 reported until 2024 which lead to...

Hi everyone, I’m really frustrated right now and hoping someone here can guide me. My CIBIL score dropped from 793 to 709 due to a ₹7 payment that I missed by 11 days on my Axis Bank MyZone credit card. I’ve always maintained a clean repayment history, over 5+ years of credit age, and I...

https://www.experian.in/creditexpert/?cmpid=edm_edm_org_Promotional_Campaign_Web_&_WA_eedmorgPtm__Annanna1_na_na Received promotional campaign email from Experian score. How this score different from Cibil Credit Score

I want to apply bpcl octane for my father..(he has salary of 20LPA) he have salary account in SBI doesn't have netbanking in his salary account..(which i may open just for applying the card) *he doesn't have cibil score* (never took any credit cards before)..totally deals on cash what are the...

CIBIL is becoming mainstream and being used for employment background check. Horrible... https://www.financialexpress.com/india-news/poor-cibil-report-valid-reason-to-deny-bank-job-madras-hc-backs-sbis-move/3894468/ While SBI argument seems to have merit, there is absolutely no control over...

So i hold multiple hdfc credit card which all as a merged limit of 93k and i utilised almost all of it in april 2025 from hdfc moneyback plus and swiggy hdfc in 70-30% ratio. But at that same month i used my tata neu hdfc cc in dreamfolks for offer checking purpose as i was returning from delhi...

I have a personal loan ongoing with aditya birla. Last month i didn't had the money to pay the emi so instead of 5th May(due date) i paid the emi on 18th May, when i was able arrange the money (after 13 days). Later i checked my cibil score it was showing missed payment and overdue amount. Then...

Give suggestions about fd cc or anything can be done . Salaried person. Salary 50k .Hdfc bank salary account. Cibil score not have.

Hey guys, This is my first time using a credit card and I’m a bit confused and hoping someone here can help me make sense of this. I got my Apay ICICI credit card on April 4th with a credit limit of ₹1.2L. So far I have noticed that ICICI usually reports to the credit bureau every 1.5 months...

My CIBIL score was 772. I had some EMI's on some my credit cards. Credit usage was around 29%. So, I foreclosed the EMI's. I checked the CIBIL score today and the credit usage was reduced to just around 4.5%. However, my credit score has been dropped to 770. Is this normal? Could this be the...

Hi guys, I closed my home loan in Oct-24 but noticed that CIBIL reports it open till date. So i raised a disputed and got it closed. But all of a sudden my CIBIL dropped from 792 to 783. Is there anything that i can do? how much time will it take to increase this back? Thank you

Hii, my CIBIL score is 705, I have 2 active account (Emi are getting paid on time), 3 additional loan account, loan repaid for those 3 also on time, out of this 3 , one account is reported in Cibil and marked as closed, but he other two not yet reported in Cibil as of now. (Will be also reported...

Dear All, Need your valuable suggestions on a peculiar case of one of my close friends whose CIBIL has hit badly due to late payments of home loan EMI where he is a co-applicant. This goes back to 2010 wherein he married a girl and jointly took a home loan where his ex wife was the main...

Whats going on in cibil. No late payments but only a new account was added. but it fluctuating so much. is it due to new reporting system.

Hi Guys, I need some suggestions. My brother took an add-on credit card under my name but didn’t pay his bill on time, resulting in 27 late payments. Eventually, he settled the outstanding amount through a settlement. Later, I realized I was listed as an authorized user on that card, and now...

Hi Members, I have been facing this issues recently from past 6 months + I need some guidance to resolve this issue wrt to my cibil score not factoring in all my accounts (credit card, loans, etc) - (0/6) It is just factoring in the enquiries I made for credit card, loan enquiry, but my active...

Despite paying my Indian Bank credit card bill in full on Feb 7th, within the grace period (the due date was February 4th), they imposed over 100 rupees in interest plus GST. This interest was billed in February, and I ignored it and the emails. I reviewed my account on March 10th, discovering...