CIBIL dropped from 780 to 730sh

[ALOAK]

Even my cibil dropped from 794 to 760 day before yesterday still wondering what made the fall as I clear everything and also don't go beyond 15% usuage

 

[credit_noob]

Look like CIBIL system broken or recalibrated 😁
Yesterday:796
Today:801
Mine increased by 5 points, from 796 to 801 with nothing added, removed, or reported. I have a CIBIL subscription and I check it daily no difference found..

Even my cibil dropped from 794 to 760 day before yesterday still wondering what made the fall as I clear everything and also don't go beyond 15% usuage

 

[VasukiVasuki is verified member.]

Look like CIBIL system broken or recalibrated 😁
Yesterday:796
Today:801
Mine increased by 5 points, from 796 to 801 with nothing added, removed, or reported. I have a CIBIL subscription and I check it daily no difference found..

Mine increased -4 points .
Despite everything being same + 3 enquiry in a month 😅

 

[credit_noob]

Mine increased -4 points .
Despite everything being same + 3 enquiry in a month 😅

Wow hahahaha 👏

 

[VasukiVasuki is verified member.]

Wow hahahaha 👏

I was refreshing daily .this seems like Feburary bonus 😁😁

 

[ALOAK]

I just refreshed still same 760 what a drop 30 points from 790 I could only see several alerts showing between 27 to 29 Jan one new loan account seen and rest were address and phone number but when I check it is still same address and phone number. What bloody system the cibil transunion has not sure and am no where near 30percent usage too.

 

[ALOAK]

There had been no enquiry for past 6 months still.plummeted

 

[rajcasio]

Closed CITI CC (5 yrs old) & PAYTM POSTPAID and my score dropped from 782 to 769 😳

 

[zaid_2913]

I just refreshed still same 760 what a drop 30 points from 790 I could only see several alerts showing between 27 to 29 Jan one new loan account seen and rest were address and phone number but when I check it is still same address and phone number. What bloody system the cibil transunion has not sure and am no where near 30percent usage too.

Exactly same issue, address and mobile number update notifications received few days back and suddenly score dropped from 789 to 767. Utilization is 1 percent. 100% payments and 2 enquires in last 3 months.

 

[ALOAK]

Today again standard chartered updated wrong telephone number which is disconnected 10yrs back and my cibil score came down from 760 to 724 today recived two alerts stating update in records when ic checked idiots have updated wrong phone although my payments are on time . Sbi also has updated same address which they hold since 3 years and when sbi did my cibile score came down from 794 to 760 ind Jan 29 now this happened today. How to get this rectified although I have written emails to sbi and standard charted and Amex too did the dame thing address update and Telenor which they hold is still same because of this stupid updates came down never knew scores come down because of address or telephone address. Anyone have rbi ombudsman email as I need to complain abt these bank and sbi also has kept a closed prime card as active. Even though I wrote email to sbi PNO that nimcapoo never understood and replies back stating it is done according ad per rule.

 

[vine]

Jan 2024 : 4 CC as per cibil, score 793
March 2024: 6 CC as per CIBIL , score 785,
I had 12 CIBIL hits in sept to dec 2023, which had no effect in score.
Now this.

 

[vine]

One of my relatives closed their lone CC last year. CIBIL score plummeted to 730. Still same after a year.
They don't have any loans/credit card.
..
Other than to get a new credit card,
Any idea how to get the score back above 750-780??

 

[zaid_2913]

One of my relatives closed their lone CC last year. CIBIL score plummeted to 730. Still same after a year.
They don't have any loans/credit card.
..
Other than to get a new credit card,
Any idea how to get the score back above 750-780??

Without active loan it’s not possible, on what parameters they will calculate the score? After few months the score will drop further if there is no active card or loan.

 

[Riya]

I am not regular in checking my cibil. Last i Checked was 2 years ago and it was 780. I checked today, it shows 732. IDK what happened. In cibil reports, payment history is 100% on time, Utilization is around 8-9%. Only 3 new inquiries in last month. I closed one CC in 2022 which was from 2017. I have 1 Edu loan closed and oldest credit card is 2 yr 9 months. What could have caused the dip? also, is there any way we can see historical cibil score? so that i can find when exactly it dipped?

You just shortened your credit history by closing the oldest card... Bad luck

 

[deep@vie]

You just shortened your credit history by closing the oldest card... Bad luck

That's why I'm tolerating hdfc regalia without LE.

 

[Riya]

Today again standard chartered updated wrong telephone number which is disconnected 10yrs back and my cibil score came down from 760 to 724 today recived two alerts stating update in records when ic checked idiots have updated wrong phone although my payments are on time . Sbi also has updated same address which they hold since 3 years and when sbi did my cibile score came down from 794 to 760 ind Jan 29 now this happened today. How to get this rectified although I have written emails to sbi and standard charted and Amex too did the dame thing address update and Telenor which they hold is still same because of this stupid updates came down never knew scores come down because of address or telephone address. Anyone have rbi ombudsman email as I need to complain abt these bank and sbi also has kept a closed prime card as active. Even though I wrote email to sbi PNO that nimcapoo never understood and replies back stating it is done according ad per rule.

quite a unique issue.....
Contact CIBIL, they might be of any help...
if not then RBI Ombudsman is the last option..

 

[Enthusiast]

My CIBIL dropped from 785 to 760..

I am holding 21 Credit cards and in march'24 it is showing the same but when i checked the score today, it is showing only 760 with 2 credit cards 🙄

What to do now??

 

[SSV]

My CIBIL dropped from 785 to 760..

I am holding 21 Credit cards and in march'24 it is showing the same but when i checked the score today, it is showing only 760 with 2 credit cards 🙄

What to do now??

Nothing . . Just sit tight and and pay promptly, it will recover

 

[Enthusiast]

Nothing . . Just sit tight and and pay promptly, it will recover

It is showing only 2 cards instead of 21 cards...

 

[zaid_2913]

It is showing only 2 cards instead of 21 cards...

That maybe technical glitch, check again in few days.