cibil score

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...

Hi, Please post the cibil score at which you got all your cards. In this way we can identify the minimum cibil score required for each bank. For example, I got BoB and PnB credit card at CIbil score of 767 and I can see in their Policy document that minimum score required is 700 for cibil...

I missed my HDFC credit card due date by one day (yesterday was the due date, and I paid the full amount today). Will this impact my CIBIL score, and how can I check if it’s considered a late payment?

Dear all, Iam planning for take home loan in March, but currently iam very Dipressed after this score Drop. Iam share some timeline for better Understanding- 5/01/25 - take gold loan (secured) and choose full payment after 1 years (basic+interest) not monthly interest pay. ( no ciblil enquiry...

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...

I am a Salaried Person 58k pm But My Credit score shows in Onescore 730 and Good Score 691 Its Downgrade even I don't have CC and Loan Neither Late Payment I have one 2 closed Loan and It there is no late payment * I applied for SBI Cashback Credit Card But Got Declined due to Internal...

At this point, the bride’s uncle was against the marriage. He argued that the man, already burdened with financial difficulties, won’t be a suitable match for his niece as he won’t be able to provide financial security to his future wife. The other members of the woman’s family also agreed and...

Hii guys I recently got my first fd based credit card from idfc and started building my cibil it was 753 now it dropped to 706 😭 i had 4 credit card enquiry 2 hdfc one idfc and 1 axis is it normal for the cibil to drop so much after 4 enquiry my credit age us just 2 months old btw

Hi everyone, I’ve noticed some new updates on CIBIL’s official website, which I want to share with you all. Recently, CIBIL has changed its scoring algorithm. Now, the way CIBIL scores are updated has been modified. A score between 748-764 is now considered average. A score between 765-777...

Iso my journey began in 2021 by using the FK Pay Later account now I hold a decent credit card portfolio but I need suggestions related to this and mostly about my cibil score enquiry part specificly. my credit card portfolio: Bank Name | Credit Card Variant | Charges | Credit...

so here is what happened, in the previous year (2024) strangely at a time, all my credit card information disappeared as far as I remember it happened in the first quarter of 2024. I did not worry much thinking it was probably a glitch from those third-party free cibil score provider apps eg...

Hi , I have been using the super money credit card for a few months (since sept )now and have a cibil score of 760 right now . Can I get any unsecured credit cards ? Here are my details :- 1- Student , have some income from freelancing and stipends 2- my spends are always within my spending...

Hi guys, so for security reasons, I changed my primary email and shifted to another email address. I have created a gmail account and set up GPay with my banks and cards. Everything is working as it should, except the CIBIL score fetching feature. When I try to fetch CIBIL, I get this: "Cannot...

Hello Folks, I am really confused regarding by Cibil score, So it has not changed much since last 4 years or so! Been between 780 ~ 790 always. In the last 4 years, added and closed many cc's, got a personal loan, credit utilization upto 80%. But the margin hasn't moved much, I just want to...

Hello team i took loan from liquiloans and my emi date is 5th i put ecs mandate but due to insufficient funds it is not debited i have added funds on the same day and tried to pay Emi manually but their website froze the manual payment on 6th i have paid manually now i am not sure whether my...

I was searching for information that how i can increase my CIBIL score and i found a guy who charge money from people and increase their score using some illegal methods, i don't know how he do it but he had posted many screenshots of his clients, i asked him is your method legal or illegal ...

I got on whatsapp this spam advertisement from The money fair, akiko Your CIBIL score's updated. Check and download the report. Access credit card and loan offers now! How do they get your numbers? CIBIL? HDFC credit card? Insurance companies ? Data leaks? CDSL? CAMS?

I'm new to the credit card maximisation game and want to know how many new credit cards can I add to my portfolio in the same month / quarter without seeing too much downside on my cibil. My cibil was 800 with 8 years credit history; and after 4 hard enquiries this month in search of adding best...