🚀 CIBIL Score Flex! Let’s See Yours! 🚀

[SJM]

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 little! 😎🔥



Leaderboard:
🥇 Gold - @Lordkk 811
🥈 Silver - @HellsFury 810
🥉 Bronze - @SJM 809


Other 800 Club Members:
808 - @realSP, @naveenjoshi
807 - @Prem03, @sanzz
806 - @percolate
805 - @iamdhamo
804 - @TechnoFino, @MilesMinter
803 - @Jatayu
801 - @srinadhjyothi, @great, @MartianManhunter
800 - @iamvk, @Yugi, @SSV, @shu_sha_



P.S. You can check your credit scores for free:

• CIBIL: GPay, Paisabazaar, Cred, OneScore and once a year in CIBIL official site/app.
• CRIF: Cred (some accounts), Airtel Thanks, Mobikwik, MoneyControl and once a year in CRIF official site/app.
• Equifax: Paisabazaar, Tata Nue and once a year in Equifax official site/app.
• Experian: Paisabazaar, One Score, BankBazaar, PhonePe, PayTM and daily in Experian official site/app.

 

[rkv]

I thought it would drop. So ideally how long should I wait before applying for SBI cashback card?

CB is easier to get as first cc. No need to wait

 

[neun9]

Please go thru this for a better understaing of how CIBIL works..

Technically you can apply right now. but before that you need to find out why it was rejected in the first place..
Rejection criteria could be different for different banks..

anyway go thru this thread and ask any further doubts afterwards...

Thread 'CIBIL Score - A Practical Guide'

Jul 18, 2024

CIBIL Score - A Practical Guide

Discalimer: This is mainly for regular Credt Card users who pay all their dues before due date and wondering why their score is not increasing..
Here we dont discuss the cases where there were defaults and / or delayed payments..that is for another day..​

Ladies and Gentelmen,

Here is the much awaited post on CIBIL Score and how it works and what we should do to improve it over the period of the time..

Here I won't go in detail about how the score is constructed as there were numerous posts on the internet in explaining the CIBIL score...

• SSV
• cibil score
• Replies: 633
• Forum: Informative Threads

• 
• 
• 

Thank you for sharing this thread. I had no idea about high limit and impact of enquiries on score.

I am yet to receive a rejection email from ICICI, only received a generic rejection sms saying "We are unable to approve your credit card application, please reapply after 6 months".

 

[FinCurious]

800 club

 

[hender]

Hope we will see many more, 800 + scores in this wonderful thread created by @SJM .After CIBIL 50% discount offer...🤗

 

[salisburry44]

 

[hender]

View attachment 112015

Share more about your Credit Portfolio and Portfolio Age...

 

[salisburry44]

Share more about your Credit Portfolio and Portfolio Age...

Age - 7yr10m
11 active accounts mix of credit card, home loan and LAP

 

[hender]

Age - 7yr10m
11 active accounts mix of credit card, home loan and LAP

Fantastic Score and Credit Mix...
Most important is your Financial Discipline!! 👍

 

[parasf]

My cibil score is 804

 

[hender]

My cibil score is 804

If you can share Credit Age and profile, it will help fellow members.

 

[parasf]

See 2nd image, already shared credit age

 

[ali4u]

My cibil score is 804

Mera total age nhe hai itna jitna aapka ..credit age hai

 

[hender]

See 2nd image, already shared credit age

Thank you Sir👍, it was meant for Credit Portfolio...
You have a very long 32+ years of History, if you can share experience, it will be really helpful..

 

[typhooon]

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 little! 😎🔥

View attachment 84952

Leaderboard:
🥇 Gold - @Lordkk 811
🥈 Silver - @HellsFury 810
🥉 Bronze - @SJM 809


Other 800 Club Members:
808 - @realSP, @naveenjoshi
807 - @Prem03, @sanzz
806 - @percolate
805 - @iamdhamo
804 - @TechnoFino, @MilesMinter
803 - @Jatayu
801 - @srinadhjyothi, @great, @MartianManhunter
800 - @iamvk, @Yugi, @SSV, @shu_sha_



P.S. You can check your credit scores for free:

• CIBIL: GPay, Paisabazaar, Cred, OneScore and once a year in CIBIL official site/app.
• CRIF: Cred (some accounts), Airtel Thanks, Mobikwik, MoneyControl and once a year in CRIF official site/app.
• Equifax: Paisabazaar, Tata Nue and once a year in Equifax official site/app.
• Experian: Paisabazaar, One Score, BankBazaar, PhonePe, PayTM and daily in Experian official site/app.

Thank you 😃

 

[parasf]

Thank you Sir👍, it was meant for Credit Portfolio...
You have a very long 32+ years of History, if you can share experience, it will be really helpful..

Nothing special
Everyone knows, but sometimes forget to follow.

Do full payment timely (before 4-5 days of due date)
(Incase your payment failed, you have time to pay it again)

Never ever trapped in PAY MINIMUM DUE, and remain in parts or in next month.
(It will ruin your credit score as well your bank balance also)
Pay the full amount.,

I never enable over limit facility.

That's all

 

[ali4u]

Nothing special
Everyone knows, but sometimes forget to follow.

Do full payment timely (before 4-5 days of due date)
(Incase your payment failed, you have time to pay it again)

Never ever trapped in PAY MINIMUM DUE, and remain in parts or in next month.
(It will ruin your credit score as well your bank balance also)
Pay the full amount.,

I never enable over limit facility.

That's all

Just one question how cibil work before 32 years when internet is not exist in India

 

[aishwarya]

785 and it keeps rotating within the range 770 to 789

 

[hender]

Just one question how cibil work before 32 years when internet is not exist in India

Credit history is 32 years old not the CIBIL!!!
CIBIL started operation in india in 2000, and 3 digit based score in 2007.
For more details;

https://www.transunioncibil.com/about-us/company-history

 

[Boy 07]

785 and it keeps rotating within the range 770 to 789

Mine also rotate between 770 to 779 for 2 years not able to go ahead of 779

 

[aishwarya]

Mine also rotate between 770 to 779 for 2 years not able to go ahead of 779

Yep.. it doesn't feel good...