Cibil & Experian

[D7162]

From past 2-3 months, i noticed my CIBIL is slowly increased up to 787 but Experian is drastically reduced to 658. Checked Experian detailed report but not found anything suspicious. Almost similar found to my bro's account as well. Can anyone guide regarding this ?

 

[Vbhoj74]

Strange, I've always find Experian to be higher 868 to CIBIL 800, same for wife, 896/800.

 

[D7162]

It was higher for me too but from past 2-3 months its changed. What I suspect is - for my 2-3 cards, utilization is quite high, overall utilization is low so my suspicion is Experian may be judging on individual utilization where as cibil may take account overall utilization. Thats the only doubt i have

 

[D7162]

Found this abnormal entry in one score app

Can it be reason for such drop ?

How to correct it ?

 

[pprakash11]

Found this abnormal entry in one score app

Can it be reason for such drop ?

How to correct it ?

View attachment 15065

@Chaitanya-a another day in HDFC!!

 

[Chaitanya-a]

Found this abnormal entry in one score app

Can it be reason for such drop ?

How to correct it ?

View attachment 15065

Don't worry. CIBIL doesn't give a f to HDFC cards. This is why it's stable. Experian score doesn't matter to most of the banks.

Moreover don't believe in OneScore app. It shows a lot of false info by itself from your credit report.

 

[Chupaxabra]

Found this abnormal entry in one score app

Can it be reason for such drop ?

How to correct it ?

View attachment 15065

OneScore is making an assumption based on the data it has, but CIBIL doesn't use HDFC cards in total utilisation %.

 

[D7162]

got reply from hdfc -

Upon receipt of your email, we have liased with the concerned team and wish to inform you that necessary details has been updated from our end and same will take 15 working days to update in Experian Bureau