• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

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

Apply For Lifetime Free IDFC First Credit Card
sjmajumder

sjmajumder

TF Legend
RBIO King
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! 😎🔥

1740671108735.webp

Leaderboard:
🥇 Gold - @sjmajumder 809
🥈 Silver - @Prem03, @sanzz 807
🥉 Bronze - @TechnoFino 804
 
Last edited:
Apply For LTF AU LIT Credit Card
Sort by date Sort by votes
hender said:
Eager to know more insight on the Top Scorers, If you like to share.
It will help everyone in many ways.
Click to expand...
Mine is a fluke. One thing that might be helping me is low utilization and very less no of application. Last time I applied was almost a year ago. I don't apply unless I really need the cc and I think I've a good chance of getting it.

The other high scores were no surprise. Oldies with 2-3 decades of credit history with no late payment/default. Great credit mix Cc, Pl, hl, cl, od etc.
 
Upvote 0 Downvote
sidp said:
Mine is a fluke. One thing that might be helping me is low utilization and very less no of application. Last time I applied was almost a year ago. I don't apply unless I really need the cc and I think I've a good chance of getting it.

The other high scores were no surprise. Oldies with 2-3 decades of credit history with no late payment/default. Great credit mix Cc, Pl, hl, cl, od etc.
Click to expand...
Thanks for sharing, 898 Scorer - if you can recall exactly. Will be a great learning for everyone.
 
Upvote 0 Downvote
hender said:
It's a indeed a great effort and discipline at your end.
800 is a physiological level, which is more rewarding in nature.
But 89/100 is not less than 95 anyhow.
Click to expand...
I never wanted to have 800, as you mentioned it's a psychological number. For now I have 17 years of clean history never dropping below 770. I am very happy with that. For the past 4 years I am maintaining above 775.
 
Upvote 0 Downvote
BVC said:
I never wanted to have 800, as you mentioned it's a psychological number. For now I have 17 years of clean history never dropping below 770. I am very happy with that. For the past 4 years I am maintaining above 775.
Click to expand...

That's exactly my point 👉, for anything In Financial World, a 200 + months and 6200+ days of so beautiful discipline is a art 🎨. Not a easy task.
Great learning and thanks for sharing and motivating us.
 
  • Lovely
Reactions: BVC
Upvote 0 Downvote
sidp said:
May be few months back. It was same 894. Stuck at that score for around 2yrs. Haven't used this year's free report yet. Will check after fy end, after I apply for few more cards. 😁
Click to expand...
Experian is completely free by the way. Can be checked every month. Few months back they changed scoring pattern, now their score is almost similar to CIBIL.
 
Upvote 0 Downvote
My scores hovers between 785 to 789 for the last 6 months, all I use 7 credit cards no other loans, thinking to close my hdfc credit card which is older but having low credit limit
 

Attachments

  • 1000163910.webp
    1000163910.webp
    29 KB · Views: 3
Upvote 0 Downvote
BVC said:
I never wanted to have 800, as you mentioned it's a psychological number. For now I have 17 years of clean history never dropping below 770. I am very happy with that. For the past 4 years I am maintaining above 775.
Click to expand...

My credit history is similar. CIBIL score is currently ranging from 795-810.

edit: Added a screenshot. The CIBIL app doesn’t allow screenshots, so here’s OneScore instead.
 

Attachments

  • Screenshot_20250228-174106.webp
    Screenshot_20250228-174106.webp
    42.5 KB · Views: 15
Last edited:
Apply For LTF HDFC Swiggy Credit Card
Upvote 0 Downvote
You must log in or register to reply here.
Back
Top