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.

 

[ahmedshaikh__]

So here in this case 2020 loan on DC

That’s good so now I have 3 years cibil history 🥰

 

[SSV]

That’s good so now I have 3 years cibil history 🥰

You can see this in your CIBIL report

 

[SSV]

That’s good so now I have 3 years cibil history 🥰

You can see this in your CIBIL report

Like this ..

 

[ahmedshaikh__]

Like this ..

View attachment 35057

Let me check how it’s looks

 

[Sanjiv29]

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.

My CRIF score is 832.. with around a dozen cc, one Home Loan,Credit age 14 years, utilization 13.75% and on time payment 98%...

 

[Ankur dhanda]

807 currently, that’s the highest I had
1 HL, 13 CC, 8yrs history.

 

[Vbhoj74]

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.

She only had 1 CC 1 Yr old at the time of that score.

 

[poseidon07]

My TU CIBIL score increased to 804 again after a minor dip post Infinia activation. Experian 895.

 

[hedgehog2122]

MY CIBIL hovers around 840-860, 6 active CC, 1 Closed Home Loan, 1 Active Home loan, 1 closed car loan. History 12-13 yrs .

 

[Lobogris]

I really doubt if you can go above 800 with just credit cards without home loan or car loan

My wife is at 820. Only 2 credit cards. No enquiries ever! No loans ever.

 

[Lobogris]

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

Even for accounts older than 2 years. My score never ever goes down even after 3 to 4 new enquiries in a month and my credit age is just over 3 years. Even last year when the age was 2 years, it never went down.

 

[prashu]

Can somehow help me to get cibil subscription at low cost ?

 

[poseidon07]

I really doubt if you can go above 800 with just credit cards without home loan or car loan

No loans, just 3 cc’s. My score is 804.

 

[SSV]

No loans, just 3 cc’s. My score is 804.

Credit profile age please?? most likely <= 2 or 3 years..

It is difficult to maintain this sort of score longterm with just only CCs , unless you know what you are doing ..

 

[image]

Can somehow help me to get cibil subscription at low cost ?

I also want to know how to subscribe at lowest cost.

 

[SSV]

Can somehow help me to get cibil subscription at low cost ?

I also want to know how to subscribe at lowest cost.

Try this code UMANG10 to get 10% off annual subscription..

 

[vaibhav111vaibhav111 is verified member.]

mine is between 790-792.. all 18-20 cc.. no secure cc or loans yet.. thought of adding one secure idfc wow cc for the sake of experimenting with secured cc.

 

[SSV]

mine is between 790-792.. all 18-20 cc.. no secure cc or loans yet.. thought of adding one secure idfc wow cc for the sake of experimenting with secured cc.

Not going to impact anything as far as score is concerned

 

[poseidon07]

Credit profile age please?? most likely <= 2 or 3 years..

It is difficult to maintain this sort of score longterm with just only CCs , unless you know what you are doing ..

12 years and running. No loans, whatsoever.

 

[poseidon07]

12 years and running. No loans, whatsoever.

Depth of credit screenshot.