credit score

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...

Hi Everyone, I'm new to the credit card world. I tried to apply for a HDFC cc online...It showed me 3 cards but the card I wanted to apply was not there, So I came out of the process. Ater that I received a Sms that my Cibil score was checked. My question is if I try to apply for a card again...

Today morning received mail from ExperianCreditView that soft enquiry is done by Tata Neu app, I haven't requested any credit score enquiry and not even open tata neu app today. Should I be worried, Complaint anywhere? or it's normal?

Dear technofino Admin, i saw some old members post and they were crazy experienced and engaging but due to some reason there last seen is of more than 6 months ago. I request you to send them e mail and ask howz life going and why are inactive since long time. What's OG's doing ?

I check my Experian and CIBIL credit score on a monthly basis and I've found that for some reason my Experian credit score is way too low, it's 573 whereas CIBIL credit score is 780. Because of this reason, my application for Federal Bank Celestia CC was rejected due to very low Experian credit...

A credit score is a 3-digit number that predicts how likely someone is to repay their debts on time. It’s calculated using a mathematical formula that analyzes a person’s credit history, which includes information such as repayment history, total credit balance, number of loans and credit cards...

I have recently taken a home loan on which the uco bank has reported my cibil checking charges payment to be overdue of 1 day. This made my cibil score decrease by 24 points( 784 to 758). I did not received any sms or email from the bank or the Branch manager that it is overdue but now when i...

When I trying to get a Rupay UPI Credit Card, i wanted to explore Kiwi and it is but obvious they will need my PAN card and check my credit score, but whats making me curious that they mention it will not affect my credit score? It is another enquiry on my cibil right?

I have complaint against a loan company with RBI ombudsman for wrong reporting to credit information company. Also demanded compensation because even after multiple correction they again reported incorrect and this all is going for last one year. Loan company has once again corrected my credit...

If I use 80% of credit card limit and convert it to EMI will it affect my credit score?

I made a purchase of 73k as a 24 months EMI using my credit card which has an 100k Limit. Now the EMI's per month will be approx 3.6k which is less than 30% of my credit limit but the total credit blocked from card is 73k which is roughly 73% od my credit limit. Will it impact my credit score?

I am a student recently I got my 1st bill of my FD credit card how many more bills I needed to get 750 plus credit score.

Recently my AMEX, SBI and HSBC application were rejected due to infamous "internal policy" reason, after filing a complaint to RBI ombudsman it turns out that I was overleveraged even though my existing credit mix <4 Lakh so I checked my CIBIL profile and it turns out Indian Bank has reported my...

Hey everyone, I could really use your advice on a small credit card dilemma I’m having. Earlier this year, I went on a bit of a spree and got a few credit cards with the intention of using them regularly. But...well, you know how it goes—I've ended up using them very sparingly. Here's what I...

Can I prepay my Credit Card EMIs without foreclosing the entire amount, and will the bank recalculate and reduce my EMI amount? Just for an example If I've already paid 10 out of 36 EMIs and wanted to prepay 20 more...but want to keep the remaining 6 EMIs open. will the bank recalculate the...