CIBIL Scoring Changes: Is Your Credit Score Still Good Enough?

[Dr.Anand456Dr.Anand456 is verified member.]

Hi everyone, I’ve noticed some new updates on CIBIL’s official website, which I want to share with you all. Recently, CIBIL has changed its scoring algorithm. Now, the way CIBIL scores are updated has been modified.

• A score between 748-764 is now considered average.
• A score between 765-777 falls under the good category.
• A score of 778 and above is classified as excellent.

Interestingly, my CIBIL score recently increased by around 10 points, even though I didn’t make any changes to my credit profile. In fact, my credit card utilization increased, yet my score still went up. This makes me believe that after the RBI's recent updates, CIBIL has adjusted its scoring algorithm.

Recently, frequent updates caused significant fluctuations in CIBIL scores, so they might have revised their scoring pattern to stabilize it. However, this could impact loan and credit card approvals—banks that used to approve applications with scores around 750 may now require a minimum of 765 for approval.

This is a small change I’ve observed. If any of you have noticed similar shifts in your CIBIL score, feel free to share your experiences here. It will help us understand these changes better.

 

[CyberPsych]

Can CIBIL score go below 300?

 

[Beyond]

I believe 778 was sweet spot before also, had seen this number on many profiles.

 

[Garry]

no change. mine is same as it was from many days.

 

[S U D O]

I believe 778 was sweet spot before also, had seen this number on many profiles.

My score stayed at 778 for 1 year without moving much 😭

 

[SSV]

My score stayed at 778 for 1 year without moving much 😭

See if this thread can help you a little !!

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

 

[TiVoGlObE]

This is how it has been for quite a long time now? What's up?

 

[Credit_Cards]

Can CIBIL score go below 300?

no . .

 

[Pho3nix]

Currently at 775, aiming to reach the 17% mark.

 

[drvenkat]

Can CIBIL score go below 300?

No.CIBIL score rang is 300 - 900 for those who have score and for those who doesn't have a history score is -1 or NH

 

[hitirfan]

My score improved. It was around 760 earlier, in January it hit 771 mark for the first time

 

[guys]

I believe 778 was sweet spot before also, had seen this number on many profiles.

yeah i have 778 since last 1 yeae

 

[dav33]

my cibil dropped in feb from 788 to 782

 

[mailmenow]

From 775 to 796. Last month dropped to 785

 

[shadow]

For the past few months, my credit utilization has increased quite a bit. went from less than 10% to 40-60%. For the first month, credit utilization went up, and my score decreased from 791 to 784, but after December, it increased quite a bit. so it went from 791 to 784 to 794 and now 801 this month. My credit utilization has decreased this month, but still, this is the highest score I've ever gotten. 792 was my highest before this.

 

[dav33]

For the past few months, my credit utilization has increased quite a bit. went from less than 10% to 40-60%. For the first month, credit utilization went up, and my score decreased from 791 to 784, but after December, it increased quite a bit. so it went from 791 to 784 to 794 and now 801 this month. My credit utilization has decreased this month, but still, this is the highest score I've ever gotten. 792 was my highest before this.

had you applied for any home loan

 

[shadow]

had you applied for any home loan

No. Apart from my credit utilization (due to family function spends) nothing else changed.

 

[Digvijay]

My CIBIL score was 769 in November 2024, went up to 783 in December 2024, then gained 9 more points to reach 792 in January 2025 and finally crossed 800 for the first time in credit score history in February 2025 to 802. This all with higher utilization of almost 60%. Not sure how long will this hold though!

 

[Dr.Anand456Dr.Anand456 is verified member.]

My CIBIL score was 769 in November 2024, went up to 783 in December 2024, then gained 9 more points to reach 792 in January 2025 and finally crossed 800 for the first time in credit score history in February 2025 to 802. This all with higher utilization of almost 60%. Not sure how long will this hold though!

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I've noticed some changes, particularly regarding the impact of credit card utilization. My score has also improved by 20 points recently and continues to increase gradually.

 

[tachniki]

@Digvijay Did you take any home loan? What kind of credit mix do you have? Where does 58% utilization comes from?

@SSV This may be interesting. 97% on time payment + 58% utilization with high cibil score above 800.

My CIBIL score was 769 in November 2024, went up to 783 in December 2024, then gained 9 more points to reach 792 in January 2025 and finally crossed 800 for the first time in credit score history in February 2025 to 802. This all with higher utilization of almost 60%. Not sure how long will this hold though!


View attachment 83075