CIBIL score stuck for 12 months despite good credit behavior

[sreek100]

I’ve been noticing something odd with my CIBIL score. It has been stuck at the exact same number for the past 12 months, with no movement at all.

Here’s my situation:

Took a car loan last year, have been paying all EMIs on time without a single miss.

Credit card usage always kept below 30% of limit.

Hard inquiries are very few (not many applications for credit).

Other credit scores (Experian, CRIF, Equifax etc.) are much higher and steadily improving, but only CIBIL is showing no change.


Is this normal behavior with CIBIL? Should I just ignore it since other scores are improving, or is it something I should actively follow up on?

Thanks in advance!

 

[SSV]

I’ve been noticing something odd with my CIBIL score. It has been stuck at the exact same number for the past 12 months, with no movement at all.

Here’s my situation:

Took a car loan last year, have been paying all EMIs on time without a single miss.

Credit card usage always kept below 30% of limit.

Hard inquiries are very few (not many applications for credit).

Other credit scores (Experian, CRIF, Equifax etc.) are much higher and steadily improving, but only CIBIL is showing no change.


Is this normal behavior with CIBIL? Should I just ignore it since other scores are improving, or is it something I should actively follow up on?

Thanks in advance!

Please go through this thread and then ask question(s) there..

Thread 'CIBIL Score - A Practical Guide'
https://technofino.in/community/threads/cibil-score-a-practical-guide.29167/