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CIBIL report: Late payment removed automatically by Citi/Axis.

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Batman

Batman

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I had 1 late payment ever in my CCs. This was in 2019, when I forgot to pay a ~5k bill on Citi card by 13 days.

My timely payment reports was always 99% after that. But today OneScore reported a 100% timely payment. I checked further, and Axis reports 35/35 timely payments.

What has happened here? I'm definitely happy. My CIBIL jumped above 770 for the first afaik.

Edit: Experian does report it as late payment.

Update after 1 day: Experian also changed to 0 late payments. I don't know what's happening any more.
 
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Adding to that, I've been keeping extra 1-2k in my CCs so as not to default on minimum payment. Sometimes it is 5-10k extra. Then my credit limit is reported as 8.1L (for an 8L limit card).

Does this affect my CIBIL in any way?
 
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Batman said:
I had 1 late payment ever in my CCs. This was in 2019, when I forgot to pay a ~5k bill on Citi card by 13 days.

My timely payment reports was always 99% after that. But today OneScore reported a 100% timely payment. I checked further, and Axis reports 35/35 timely payments.

What has happened here? I'm definitely happy. My CIBIL jumped above 770 for the first afaik.

Edit: Experian does report it as late payment.
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Damn. I have like 30 late payments and first time moved to 779 from 750 this month..
 
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