i am trying to understand what factors might lead to having a cibil as near to 900 as possible.
i have not heard of anyone with such high scores (in my experience i have seen only people with a
around 810 max).
its not as if at entry level (no credit card, no loan) it is 900 and starts decreasing gradually. nor is it that it increases gradually till you retire. me, despite having many credit cards and extremely low utilization and timely payments, i am having the same score as someone with minimum credit cards, a few paid off loans which were always paid on time.
if anyone in this community has the score above 850, please share your insights on how you managed it, or how you planned it.
i have not heard of anyone with such high scores (in my experience i have seen only people with a
around 810 max).
its not as if at entry level (no credit card, no loan) it is 900 and starts decreasing gradually. nor is it that it increases gradually till you retire. me, despite having many credit cards and extremely low utilization and timely payments, i am having the same score as someone with minimum credit cards, a few paid off loans which were always paid on time.
if anyone in this community has the score above 850, please share your insights on how you managed it, or how you planned it.
