Cibil score dropped from 792 to 732

[tnk]

My credit score dropped from 792 to 732. In may or June 792 was the score and today it is 732. There is no change in my credit usage , regular payments without any delay. Same thing happened in January ,the drop was from 793 to 753 but after a few days it was 793 again. Then the forum was being flooded with similar stories. As the members said some software upgrade was the reason the. Now I don’t know why it’s happening again.Please share if any of you faced such issue and how you resolved it. Also no new cards were added recently

 

[Wealth is my birth right!]

My credit score dropped from 792 to 732. In may or June 792 was the score and today it is 732. There is no change in my credit usage , regular payments without any delay. Same thing happened in January ,the drop was from 793 to 753 but after a few days it was 793 again. Then the forum was being flooded with similar stories. As the members said some software upgrade was the reason the. Now I don’t know why it’s happening again.Please share if any of you faced such issue and how you resolved it. Also no new cards were added recently View attachment 61538

More utilising the limit will be the reason
New applications just 2 to 5 points it will make down not this much

 

[tnk]

More utilising the limit will be the reason
New applications just 2 to 5 points it will make down not this much

My credit utilisation is less than 1% on regular basis, so can rule that out.
Credit history is 17 years with with only one delay of 15 days in the last 36 months( this delay is of last FY)

 

[Everybody]

First Check by expanding every account details, check if there is anything reported wrong.

60 points getting minus isn't normal.

 

[tnk]

First Check by expanding every account details, check if there is anything reported wrong.

60 points getting minus isn't normal.

Have 8 cards and no housing or car loan.
Checked all the accounts information multiple times and everything is fine

 

[Everybody]

Have 8 cards and no housing or car loan.
Checked all the accounts information multiple times and everything is fine

Strange! Wait for few days to check any changes in the report.

 

[sgoyal9]

Try checking in some other app as well if such a drop is being reflected. If not, I would not worry about it much

 

[tnk]

Try checking in some other app as well if such a drop is being reflected. If not, I would not worry about it much

I have PhonePe and Paytm, can i check through them or should there be some other methods. Please suggest

 

[SunnyM]

Did you change your contact no or add a new address or email?

 

[tnk]

Did you change your contact no or add a new address or email

New address was added in march when I got ICICI dual card through alumni program. When last checked in June before the expiration of CIBIL premium subscription it was 792. 2 days back I reactivated premium subscription when my ICICI account showed CIBIL range of 702-752, to check the actual score

 

[SunnyM]

New address was added in march when I got ICICI dual card through alumni program. When last checked in June before the expiration of CIBIL premium subscription it was 792. 2 days back I reactivated premium subscription when my ICICI account showed CIBIL range of 702-752, to check the actual score

This has to be it right . Even still this drop is unusual to say the least.

 

[tnk]

Just checked cred app and CRIF score is 801 and all the payments were in time

 

[Everybody]

Just checked cred app and CRIF score is 801 and all the payments were in timeView attachment 61797

Nothing to worry then.

 

[jeevanreddy58]

My wife's cibil score last month also dropped by 60 points after getting sapphiro dual cc after 2 months(Apr)..

 

[helloworld]

how many of your cards/loans completed 1 year to Jun'24?

 

[KHUSHB]

My credit score dropped from 792 to 732. In may or June 792 was the score and today it is 732. There is no change in my credit usage , regular payments without any delay. Same thing happened in January ,the drop was from 793 to 753 but after a few days it was 793 again. Then the forum was being flooded with similar stories. As the members said some software upgrade was the reason the. Now I don’t know why it’s happening again.Please share if any of you faced such issue and how you resolved it. Also no new cards were added recently View attachment 61538

Do you have premium cibil version

 

[tnk]

how many of your cards/loans completed 1 year to Jun'24?

5 of the 8 are more than year old
Dual card obtained in march 24 and axis Flipkart is nearing one year

 

[tnk]

My wife's cibil score last month also dropped by 60 points after getting sapphiro dual cc after 2 months(Apr)..

Did the score recover yet?

 

[tnk]

Do you have premium cibil version

Yeah civil premium subscription

 

[Vasuki]

My credit score dropped from 792 to 732. In may or June 792 was the score and today it is 732. There is no change in my credit usage , regular payments without any delay. Same thing happened in January ,the drop was from 793 to 753 but after a few days it was 793 again. Then the forum was being flooded with similar stories. As the members said some software upgrade was the reason the. Now I don’t know why it’s happening again.Please share if any of you faced such issue and how you resolved it. Also no new cards were added recently View attachment 61538

Cur ,- can affect most 10 points
Enquiry - no effects
Address change - no effects ( only free user of one score says this crap - F**k onescore app )



First of all buy a cibil subscription again as I can see u bought it last year .

Check it on Paytm - might get clue