credit score

Looks like the RBI is planning a major change in how our credit scores are updated. As per the new draft guidelines, credit information companies may soon have to refresh credit scores every week instead of the current once-in-15-days cycle. The idea behind this move is to make credit data...

The RBI’s draft guidelines propose weekly credit score updates enabling faster recognition of repayments and improved loan access for borrowers while enhancing data accuracy and risk assessment for lenders. The Reserve Bank of India (RBI) has released draft guidelines which mandate credit...

I was trying to register in MobiKwik and it required to allow MobiKwik to fetch credit score from Bureaus. Without checking that option, it doesn't allow one to register. Is this a hard inquiry or soft inquiry? At what point during the registration, does it fetch the score? Most annoying is, why...

My due date for Axis Credit Card payment of Rs2500 was 4th Oct I made the payment on Sept 29th it was showing processing via Navi usually after some time it gets credited so I didnt bother that much However for some reason it was refunded and I didnt know this. Next statement which came a week...

Hi folks Currently I have two CCs, Supermoney-USFB FD Backed card and AmazonPay ICICI Card To improve CIBIL score we know that 1. Keep utilization under 30% (per card) 2. Pay the bill on time My Query here is, 1. is it necessary to have spends on both cards for the score to improve month on...

My friend just refreshed his credit score on One Score, Amazon and Cibil website. Score on Cibil website is 778 and on Amazon and One score it is 769. Which one should be considered accurate? I wonder what score will a bank get if he applies a credit card today and they make a hard enquiry...

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

784 score. in hand 81k salary(some part of my salary is in rsu's so) , zero late payments, no loans nothing. work for a big tech. Made the mistake of applying to 5 different banks for a cc as soon as i got a job 3 years ago. shouldn't have done that. also my first hdfc application got rejected...

I borrowed from slice in btech first year, i completed my graduation last month, there are no late payments. Is my credit score low? Will i not have many opportunities for loans and credit cards? Will it be hard for me to get a good credit card?

Hi, my credit score is declining. It is getting lower for two consecutive months. I am using Cheq App and it said that my Experian Score declined 2 points previous month and 8 points this month. I am having timely payments, low credit utilisation ratio, etc., that is I am using as I was using as...

Hey all I have a question to all of you regarding the loan repayment and it's effect on cibil Actually I had taken loan from truebalance app due to some medical emergency and the due date for the emi was 3 April 2025 and this loan was scheduled to be paid via upi or debit card since I hadn't...

Hi guys! Just like every day, I sat down to check my CIBIL and Experian credit reports. But today, I was in for a surprise! Experian has discontinued its free daily credit report download feature. Now, if you want to check and download your report, you must subscribe to their premium...

You can check your Experian Credit Score for free by sending Hi on WhatsApp Official Experian WhatsApp Contact Link below: https://wa.me/9920035444 *************************************** Another app which can give you regular insights of CIBIL and Experian score on a regular basis...

Credit mix discussion

For many of us, a good credit score is essential—it affects our ability to get loans, credit cards, and even financial security. But what happens when a financial institution fails to do its job, and you’re the one paying the price? This is exactly what happened to me when PayU Finance failed...

I currently have 10 unsecured credit cards and 1 personal loan, and my credit score has been in the range of 775-782 for the past year. Since all my existing credit accounts are unsecured, I was wondering if adding a secured credit card (FD-backed) to my portfolio would help improve my credit...

One of my friends had a SCB Landmarks reward card in 2019. Later that year, the card was discontinued and replaced with a different card (probably digismart) which he didn't activate because he misplaced the new card. He didn't try to get a replacement and considered the card closed. In 2022...

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...

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...