anyone with cibil between 850-900?

[ltf4ever]

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.

 

[SSV]

Mine is stuck at 749 since 4 months.. no pay later but some late payment marks.. I guess i wont go past 750 🥲

It will. ..

 

[SSV]

Is there a way to check historical scores every year in the past?

NO, unless you had some sort of subscriptions for that period.. even free also fine.

 

[SSV]

Is there a way to check historical scores every year in the past?

Why do you need anyway?

 

[SSV]

Mine is stuck at 749 since 4 months.. no pay later but some late payment marks.. I guess i wont go past 750 🥲

Give more details( remocing sensitive data) and dm me , I will look into it when free and may advise you, how to get it past 750...

 

[palen]

Why do you need anyway?

I'm curious to know the changes in the score per year. Looking at it, I might know what could have caused it to rise or fall.

 

[SSV]

I'm curious to know the changes in the score per year. Looking at it, I might know what could have caused it to rise or fall.

For this exact reason, they have annual subscriptions...
Subscribe to them and can see everyday, why score changes... been doing that for the last 3 years or so..

 

[palen]

For this exact reason, they have annual subscriptions...
Subscribe to them and can see everyday, why score changes... been doing that for the last 3 years or so..

Good idea 👍

 

[poseidon07]

My TU CIBIL is 804, Experian is 895.

 

[poseidon07]

Recently dropped to 794 after I upgraded to HDFC Infinia card. Not sure why it happened. Can someone explain?

 

[SSV]

Recently dropped to 794 after I upgraded to HDFC Infinia card. Not sure why it happened. Can someone explain?

How old is your profile?

 

[poseidon07]

How old is your profile?

~12 years with HDFC Regalia

 

[SSV]

~12 years with HDFC Regalia

Then it is definitely not because of your newly added card..

Probably, your total utlization is more compared to the last month..
It could also be the case of your total outstanding was -Ve before and it became +ve now...

 

[Vishal K]

Then it is definitely not because of your newly added card..

Probably, your total utlization is more compared to the last month..
It could also be the case of your total outstanding was -Ve before and it became +ve now...

A secured loan, such as a home loan, appears to have a greater positive impact on my CIBIL score, as evidenced by the increase from 787 to 797 when I used the score simulator with a new home loan offer from ICICI.

 

[SSV]

A secured loan, such as a home loan, appears to have a greater positive impact on my CIBIL score, as evidenced by the increase from 787 to 797 when I used the score simulator with a new home loan offer from ICICI.

Home loan is a definite positive contributor to the CIBIL score

 

[rohant]

Mine is 800 after 4 hard inquiries for recent cards I got. Have never checked cibil before, always checked experian (868) and Crif (844) using Cred before.

how long have you been using cc?

My dad is having 800+ too, but not 850. He is holding cc since 2+ decades. No loan taken.

 

[ahmedshaikh__]

Mine is 789. I too want to know how can someone pulls such high score. One of my friend have only one credit card which he got 8 years back and he has a score of 800+. I have around 17 cards with no late or missed payment and oldest credit history is ~10 years. Still I am not able to cross the 800 level.

I gone to 786 n gone back to 772 now on latest check I think 4 inquiries in last 6 month was reason idk I never had missed payment too 160 payment till now on time

 

[SSV]

I gone to 786 n gone back to 772 now on latest check I think 4 inquiries in last 6 month was reason idk I never had missed payment too 160 payment till now on time

Guys, if the credit age is more than 5 years, the effect of enquiries on the score is very negligible..
No of enquiries is overhyped especially for accounts more than 5 years old
Just chill

 

[ahmedshaikh__]

Guys, if the credit age is more than 5 years, the effect of enquiries on the score is very negligible..
No of enquiries is overhyped especially for accounts more than 5 years old
Just chill

I have credit card since 11/2021 and loan on debit card on 2020 idk what’s count on cibil credit age history or first loan

 

[SSV]

I have credit card since 11/2021 and loan on debit card on 2020 idk what’s count on cibil credit age history or first loan

the oldest date of any borrowing account determines your credit age

 

[SSV]

I have credit card since 11/2021 and loan on debit card on 2020 idk what’s count on cibil credit age history or first loan

the oldest date of any borrowing account determines your credit age

So here in this case 2020 loan on DC