cibil score

Some 15-20 days ago cibil score was showing in every app but not showing in any of the apps whereas other credit bureaus are reporting fine. I have refreshed all of their scores and cross checked on multiple platforms and the final conclusion is this issue is only with the cibil score. Thanks in...

Can someone please explain what is ownership error in CIBIL Score?

Hi all, I have never ever taken a loan or Credit Card till date. My Current CIBIL is NH - No History I am applying for Credit Card against FD from HDFC Bank I have received few options ( I have an account) Attached Screenshots 1) Biz Grow - Master Card - LTF 2) Moneyback + - Visa - Joining &...

Hello everyone, For quite some time, my CIBIL score had been consistently stable at 795. Despite multiple loans and credit cards, it remained unchanged. I’ve been aiming to cross into the 800+ range, but to my surprise, when I checked today, my score had dropped to 786. This sudden dip is a...

I have amazon pay later in my CIBIL showing as consumer loan and i also have two credit cards , does amazon pay later showing as Consumer loan is good for credit mix ? does that negatively impact credit score

I’ve been noticing something odd with my CIBIL score. It has been stuck at the exact same number for the past 12 months, with no movement at all. Here’s my situation: Took a car loan last year, have been paying all EMIs on time without a single miss. Credit card usage always kept below 30% of...

🌟 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