Cibil paid membership?

[pjrockzzz]

My cibil is stuck at 781-782. It’s barely moving 1 above and 1 below. Will buying cibil 1 year paid membership help in improving cibil score. There is some cibil simulator in cibil membership. Please help me in this

 

[Anindya98]

Do you hold any secured card or loan?

 

[Animesh67]

My cibil is stuck at 781-782. It’s barely moving 1 above and 1 below. Will buying cibil 1 year paid membership help in improving cibil score. There is some cibil simulator in cibil membership. Please help me in this

Share briefly your current loan, cards limit and income

 

[pjrockzzz]

Do you hold any secured card or loan?

I have a personal loan(HDFC), agriculture loan(Canara) and 3 credit cards(ICICI, Axis and HDFC).

 

[Animesh67]

I have a personal loan(HDFC), agriculture loan(Canara) and 3 credit cards(ICICI, Axis and HDFC).

Get a secured card your score will increase

 

[Lobogris]

Get a secured card your score will increase

Why? He already has a few credit cards. Why would a secured card improve it?

 

[Anindya98]

I have a personal loan(HDFC), agriculture loan(Canara) and 3 credit cards(ICICI, Axis and HDFC).

All these are unsecured loans get a Secure Card by just doing a small amount of FD

 

[Lobogris]

My cibil is stuck at 781-782. It’s barely moving 1 above and 1 below. Will buying cibil 1 year paid membership help in improving cibil score. There is some cibil simulator in cibil membership. Please help me in this

Most people get stuck there. That's a very good score. CIBIL membership won't help in any manner. I have had it for 3 years now. The simulator is totally inaccurate.

 

[Anindya98]

Why? He already has a few credit cards. Why would a secured card improve it?

It shows he heavily relies on loans in the system. Having a secure card/loan balances it.

 

[Anindya98]

Most people get stuck there. That's a very good score. CIBIL membership won't help in any manner. I have had it for 3 years now. The simulator is totally inaccurate.

Y e s membership will not help you to boost your cibil score

 

[Lobogris]

All these are unsecured loans get a Secure Card by just doing a small amount of FD

A secured card will NOT help in any manner.

 

[Anindya98]

A secured card will NOT help in any manner.

Bro it helps.
Even if the FD amount is 5K.
Else you will see at one point your score increase by 1-2 points again next month it will decrease by the same it will remain the same overall

 

[Manav24]

Buying paid membership to get better score is impossible, best way for better score is Keeping the oldest loan/card active and also keeping the utilised amount as low as possible and avoid paying only the minimum due every month, rather pay in full, also any thing you do for improvement will show up in 4-5 months so patience is the key, btw your score is good IMO.

 

[6ix9ine]

My cibil is stuck at 781-782. It’s barely moving 1 above and 1 below. Will buying cibil 1 year paid membership help in improving cibil score. There is some cibil simulator in cibil membership. Please help me in this

Mate, your score is already too good. No bank or credit card company can deny your loan/credit card application with a reason "bad CIBIL score." Don't stress too much over something, which you can't control.

Also, if you're buying a CIBIL subscription just for the simulator, please don't waste your money. The subscription is useful for keeping track of your reports and notifying the bank in case of any discrepancies in your monthly reports.

P.S: Just make sure you don't miss any payments toward your loans or credit cards. Your score will eventually go up as time goes on.

 

[CyberPsych]

@SSV has some tips to get over 800

 

[SSV]

@SSV has some tips to get over 800

I wanted to write a detailed post on Cibil..not finding time to do that..Will write it soon..

 

[akshayhs]

CIBIL score simulator is purely there for dopamine. It is not guaranteed the score will increase or decrease. Also there is no relationship between increasing score and a CIBIL subscription.

 

[Everybody]

My cibil is stuck at 781-782. It’s barely moving 1 above and 1 below. Will buying cibil 1 year paid membership help in improving cibil score. There is some cibil simulator in cibil membership. Please help me in this

Bring down current balances, and don't apply cards for some period of time will automatically increase the score.

 

[msd07]

FREEDOM50 valid only on 15th Aug.. works on YEARLY plan tooooo

 

[sudheerreddy]

FREEDOM50 valid only on 15th Aug on 1 month Plan

Code Working,
Thanks