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

[sjmajumder]

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 - @sjmajumder 809
🥈 Silver - @Prem03, @sanzz 807
🥉 Bronze - @TechnoFino 804

 

[JigmeKhesar]

That's really nice 👍

Thanks! What I’m proud of is having no delinquency or missed payments.

Credit ratings can work in mysterious ways. For instance, you might see someone new to credit with an unusually high score, while someone else with an impeccable credit age, history and a good credit mix might struggle to cross the 790s.

 

[hender]

Thanks! What I’m proud of is having no delinquency or missed payments.

Credit ratings can work in mysterious ways. For instance, you might see someone new to credit with an unusually high score, while someone else with an impeccable credit age, history and a good credit mix might struggle to cross the 790s.

I appreciate your reference,
Still, who are consistently paying back and maintaining good score, for a longer period, reap benefits.

 

[Miss.Marple]

 

[drabhishekladdha]

Axis and HDFC have stopped it. You can use GPay and Paisabazaar for one refresh a month and CIBIL official site for one refresh a year free of cost. Paisabazaar auto-refreshes every month, you don't have control over it. GPay you have to manually refresh, do it 15 days after Paisabazaar refresh. So you will get 2 updates a month FOC.

Superb Thanks a lot

 

[Garry]

Stuck on 789 from last one year.

 

[itzmycard]

moved from +-780 to +-790 after 5years of credit age

 

[hender]

moved from +-780 to +-790 after 5years of credit age

That's really a Good consistent track record.

 

[althafvly]

 

[hender]

View attachment 85080

Fantastic cibil score !

 

[GTSaketh]

Less than 1 year of credit age

 

[kalyan324]

Hi Kalyan,
Which website/app you are using for dual credit report?

Hello Tejesh
I'm using Onescore app
It's very good every month it will refreshes

 

[TiVoGlObE]

I saw a notification & imagined this as a Reddit post. Come on to say "Chal na L" but then realised it's TF forum.

"Good Work buddy, you discipline is your Greatest asset. KEEP IT UP"

 

[sands]

My score from 2019 was 869; at that time I was only having one credit card and a loan on FD. After that, my score fell to 750 because my credit card was cancelled by the bank (NRI issue) and my loan was closed. Later on, after changing status from NRI to resident, the bank issued me a credit card. My current score is in the 780-803 range depending on card utilization (0-6%, that's the maximum I have used). I have only one credit card at present and no loans.

 

[ank_sh1]

4 years old credit profile, 40 accounts (Some of them closed)

 

[kray16]

My cibil is 409 currently from 328. I received free credit cards totaling 12.8 cr from multiple private banks even when I told them that I already have a good salary from my job and satisfied. Left my job, travelled the world, spent nights with women from diff ethnicity(Gave respect to all) and total spending was less than 4cr. Parked rest of the money in different govt banks as FD and govt bond. Took all the money out from CC via paytm wallet and diff. wallets.
SO HOW MUCH MONEY DO YOU HAVE and Yes bought a car last year ( full cash)from interest alone.

 

[cardio_guycardio_guy is verified member.]

My cibil is 409 currently from 328. I received free credit cards totaling 12.8 cr from multiple private banks even when I told them that I already have a good salary from my job and satisfied. Left my job, travelled the world, spent nights with women from diff ethnicity(Gave respect to all) and total spending was less than 4cr. Parked rest of the money in different govt banks as FD and govt bond. Took all the money out from CC via paytm wallet and diff. wallets.
SO HOW MUCH MONEY DO YOU HAVE and Yes bought a car last year ( full cash)from interest alone.

Bestest post ever. 12 crore is something that people take 2-3 lifetime to achieve. Even if cibil drops to 0, you have made a fortune. Congrats.
But how will you prevent legal proceedings and arrest warrants etc? What if banks confiscate your investments and deposits? Any backup plan for that? These days banks harrass ur family members also and our family property will be also impacted if you default.

 

[Raavan]

Bestest post ever. 12 crore is something that people take 2-3 lifetime to achieve. Even if cibil drops to 0, you have made a fortune. Congrats.
But how will you prevent legal proceedings and arrest warrants etc? What if banks confiscate your investments and deposits? Any backup plan for that? These days banks harrass ur family members also and our family property will be also impacted if you default.

With 12 crores he can move out of India, take citizenship of other country and live life peacefully.

I am not suggesting or advising anything. Pata chale police mere ko uthwa rahi 🤣

 

[techie_space]

Have been in this range. 785-795, never got chance to go beyond 800 😄

 

[hender]

My score from 2019 was 869; at that time I was only having one credit card and a loan on FD. After that, my score fell to 750 because my credit card was cancelled by the bank (NRI issue) and my loan was closed. Later on, after changing status from NRI to resident, the bank issued me a credit card. My current score is in the 780-803 range depending on card utilization (0-6%, that's the maximum I have used). I have only one credit card at present and no loans.

Thanks for sharing your experience.

 

[hender]

View attachment 85122
4 years old credit profile, 40 accounts (Some of them closed)

Very nice one, especially with 40 accounts.