🚀 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.

 

[Maxsteel]

Mine is 798.

 

[Credit_Cards]

not able to enter 800 Club

 

[hender]

not able to enter 800 Club

790 795 798 or 802 805 810 all are ✅ 👍

 

[shu_sha_]

not able to enter 800 Club

Close few of your unused cards

 

[Maxsteel]

790 795 798 or 802 805 810 all are ✅ 👍

If one isn't planning to take any loan from bank then the variance in score doesn't matter much. Some Banks offer more concession if CIBIL is 800+.

 

[nikhilv0303]

If one isn't planning to take any loan from bank then the variance in score doesn't matter much. Some Banks offer more concession if CIBIL is 800+.

I recently took a home loan.
Almost all banks and nbfc had a different rate for 825+
750-824 was same

When I was exploring 3 years back, it used to be lower rate for 800+

 

[Maxsteel]

I recently took a home loan.
Almost all banks and nbfc had a different rate for 825+
750-824 was same

When I was exploring 3 years back, it used to be lower rate for 800+

Avoid NBFC for home loans. SBI to 800+ ko hi best concession rate deta hai.

 

[Dr.AMAN]

I recently took a home loan.
Almost all banks and nbfc had a different rate for 825+
750-824 was same

When I was exploring 3 years back, it used to be lower rate for 800+

800 is the new 750. Many people have 800 score these days due to increased awareness. Maybe thats y 825 is the new sweet spot to get discounted loan

 

[hender]

If one isn't planning to take any loan from bank then the variance in score doesn't matter much. Some Banks offer more concession if CIBIL is 800+.

790 795 798 or 802 805 810 all are ✅ 👍

That exactly was the point ☝️.

 

[Credit_Cards]

Close few of your unused cards

CC minting >> 800 CIBIL

 

[RAMESH BABU N]

As I shared already (more than once), my CIBIL SCORE is usually between 790 and 810. I never ever bothered about it nor impacted by that. I did not take any subscription.

Just to post it here, today, I logged in to CIBIL and found my score as 804 as of 16.09.2025.

Probably, it must have improved even from that 804 level, as I had closed a handful of CCs in the last 15-20 days. As and when I see the latest score, I will share it here.

 

[dipu_5]

800 is the new 750. Many people have 800 score these days due to increased awareness. Maybe thats y 825 is the new sweet spot to get discounted loan

But how many people have 825+ and how do you get to that level?

 

[Dr.AMAN]

But how many people have 825+ and how do you get to that level?

Even at 800+ u might get good enough discount on loan interest. What I meant was that u no longer get that special treatment from the bank by just having 800-805 score. Maybe a smile from the branch manager but nothing more. The same loan discount is given at 790-800 scorer. Earlier Cibil used to get refreshed monthly and people didnt bother much about their scores as long as they paid their EMIs timely. Now with Cibil refreshing every 15 days it is easier to reach 800 than before if u pay on time, thats y it is no longer uncommon

 

[RAHUL GOYAL]

Even at 800+ u might get good enough discount on loan interest. What I meant was that u no longer get that special treatment from the bank by just having 800-805 score. Maybe a smile from the branch manager but nothing more. The same loan discount is given at 790-800 scorer. Earlier Cibil used to get refreshed monthly and people didnt bother much about their scores as long as they paid their EMIs timely. Now with Cibil refreshing every 15 days it is easier to reach 800 than before if u pay on time, thats y it is no longer uncommon

not easier for more than a year my score is moving between 760-780. and no payment delay & from last 2 months my credit age is 5 years

 

[Dr.AMAN]

not easier for more than a year my score is moving between 760-780

Yes mine too. Never goes above 790. But I have only 3 yrs history and too many CC so that might be pulling the scores down. Once the history is 5+ years old and I start reducing the CC numbers then it might cross 800. Right now my avg utilization is 10-15%. If I start prepaying and bring it to negative then also it might bumb up by 20 points

 

[Boy 07]

Yes mine too. Never goes above 790. But I have only 3 yrs history and too many CC so that might be pulling the scores down. Once the history is 5+ years old and I start reducing the CC numbers then it might cross 800. Right now my avg utilization is 10-15%. If I start prepaying and bring it to negative then also it might bumb up by 20 points

My Cibil History now 6y+1 month still my cibil score does not go above 779

 

[Dr.AMAN]

My Cibil History now 6y+1 month still my cibil score does not go above 779

779 is not bad. But if u want to cross 800 then many factors have to be seen: Whats ur total no. Of CC and loans? Ratio of total CC limits+loans to ur annual salary? Any secured loans/FD based CC? Avg utilization?

 

[hender]

779 is not bad. But if u want to cross 800 then many factors have to be seen: Whats ur total no. Of CC and loans? Ratio of total CC limits+loans to ur annual salary? Any secured loans/FD based CC? Avg utilization?

My Cibil History now 6y+1 month still my cibil score does not go above 779

Topmost 🔝 Layer of CIBIL score, Indeed a very good score ✅👍🆗

 

[Riya]

CIBIL - 778
Experian - 800
CRIF - 822
Equifax - 860 😁

 

[SSV]

But how many people have 825+ and how do you get to that level?

May be 0.0001% will have CIBIL of >825