🚀 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.

 

[SSV]

785 and it keeps rotating within the range 770 to 789

This is a very good score..

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

This is also a good one..


for more details you can refer to this, if not done already.

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

• 
• 
• 

 

[parasf]

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

Internet nahi tha
Pan card to tha na bhai
😄

N It's upon bank who uploaded old data in system

I borrowed a first and last loan of 20000 33 years ago

So my bank CBI, uploaded just data that I had a loan in past, nothing else like amount, tenure etc

That's why my credit age is 32 years

Else my 1st credit card is sbi gold card (ltf) which is still running is almost 20 years old

 

[ali4u]

Internet nahi tha
Pan card to tha na bhai
😄

N It's upon bank who uploaded old data in system

I borrowed a first and last loan of 20000 33 years ago

So my bank CBI, uploaded just data that I had a loan in past, nothing else like amount, tenure etc

That's why my credit age is 32 years

Else my 1st credit card is sbi gold card (ltf) which is still running is almost 20 years old

We just want to know your experience, nothing else don't take it personally. My total ege is less than your credit history

 

[Boy 07]

We just want to know your experience, nothing else don't take it personally. My total ege is less than your credit history

Mine Also @

 

[parasf]

We just want to know your experience, nothing else don't take it personally. My total ege is less than your credit history

It's ok bhai
Nothing taken as personally

I just shared what I little know

 

[S D S]

I finally crossed 800, now at 805! Closed a couple of cards I don't use, I used to pay off the bills on time anyway. Can't comment for sure on what exactly boosted the score, now to see if the score remains at this level for long, the way my 795 had become Fevicol ka jod for more than a year 😉

 

[itsnotbro]

I finally crossed 800, now at 805! Closed a couple of cards I don't use, I used to pay off the bills on time anyway. Can't comment for sure on what exactly boosted the score, now to see if the score remains at this level for long, the way my 795 had become Fevicol ka jod for more than a year 😉

You have any loans?

 

[S D S]

You have any loans?

No loans, never taken one. Wanted this just for fun!

 

[nikhilv0303]

Di

I finally crossed 800, now at 805! Closed a couple of cards I don't use, I used to pay off the bills on time anyway. Can't comment for sure on what exactly boosted the score, now to see if the score remains at this level for long, the way my 795 had become Fevicol ka jod for more than a year 😉

Did You start pre paying CC before reporting dates?

 

[S D S]

Di

Did You start pre paying CC before reporting dates?

I used to pay off the bigger figures instantly most of the time, last month consciously made the effort to not keep debits on the reporting date in any of the cards.

 

[SSV]

I used to pay off the bigger figures instantly most of the time, last month consciously made the effort to not keep debits on the reporting date in any of the cards.

So all your accounts have 0 or less outstanding balances , right??

 

[aishwarya]

I finally crossed 800, now at 805! Closed a couple of cards I don't use, I used to pay off the bills on time anyway. Can't comment for sure on what exactly boosted the score, now to see if the score remains at this level for long, the way my 795 had become Fevicol ka jod for more than a year 😉

More details like credit age, total limit, last months utilisation, enquiries?

 

[S D S]

So all your accounts have 0 or less outstanding balances , right??

Yup . In fact, even negative outstanding in a card or two, if I paid off what I spent immediately, and the bill date was way after the reporting date

 

[S D S]

More details like credit age, total limit, last months utilisation, enquiries?

Credit age more than 20 years, but I closed that card in 2011. I actually got my current portfolio of cards only last year, since Jan 2024, having used add on cards in the intervening period. My CIBIL score popped up then and showed to be 783 and I didn't like that. Then found out since I have no credit foot print via loans or primary cards, I have no credit history. So you will see I got 12 enquiries in the last one year, and now possess 7 credit cards.
The highest credit limit is twenty lacs, last month's utilisation must have been a couple of lacs, across all cards combined, most of it in forex.

 

[SSV]

Yup . In fact, even negative outstanding in a card or two, if I paid off what I spent immediately, and the bill date was way after the reporting date

If that is the case then,
Even one of your account has even ₹1 outstanding balance as on reporting date your score will come down by about 10 ie your score will be about 795 at that time

 

[S D S]

If that is the case then,
Even one of your account has even ₹1 outstanding balance as on reporting date your score will come down by about 10 ie your score will be about 795 at that time

I didn't make myself clear. By negative outstanding balance, I mean like now I have -31,000/- in one card, so I have over paid the dues.

 

[SSV]

I didn't make myself clear. By negative outstanding balance, I mean like now I have -31,000/- in one card, so I have over paid the dues.

Yes I understood...
What i am asking is :
Does each and every card of yours has either 0 or negative balance as on last reporting date??

 

[nikhilv0303]

If that is the case then,
Even one of your account has even ₹1 outstanding balance as on reporting date your score will come down by about 10 ie your score will be about 795 at that time

So in next reporting if there is an outstanding, then score will come down immediately by 10 points?

 

[SSV]

So in next reporting if there is an outstanding, then score will come down immediately by 10 points?

y e s

 

[Anirudh Patel]

I'm 20, 2 secure cards and lazypay pay later