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.

 

[drvirag]

my score is 750 from last 2 year despite of multiple cards added in dis time and frequent enquiries (atleast 2 every month)

 

[ravikumar]

So, It's better to maintain a score above 780 for smooth approval of loans

 

[Bodhi]

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

Congratulations Brother !

 

[hedgehog2122]

Mine is stable at 808

 

[ravikumar]

After lot of difficulty crossed 800, then Cibil changed its scoring algorithm, back to below 800🙁

 

[Digvijay]

@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.

Home loan + credit cards, did some bulk electronic purchase last month so utilization went up.

 

[SSV]

@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.

Home loan + credit cards, did some bulk electronic purchase last month so utilization went up.

@tachniki , I was expecting this HL.. without HL and 0 utilization it is almost impossible to get more than 800..
I do believe the Credit porfile is more than 5 years old..


It would be interesting to see the utililzation just for CC account ie excluding HL..

@Digvijay what is your total CL on all your CCs and total outstainding on all CCs.. ( please exclude HL for this calculation).

 

[sjmajumder]

 

[Digvijay]

@tachniki , I was expecting this HL.. without HL and 0 utilization it is almost impossible to get more than 800..
I do believe the Credit porfile is more than 5 years old..


It would be interesting to see the utililzation just for CC account ie excluding HL..

@Digvijay what is your total CL on all your CCs and total outstainding on all CCs.. ( please exclude HL for this calculation).

Around 700000 utilized out of total 1250000 approx. (13 years credit history)

 

[SSV]

Around 700000 utilized out of total 1250000 approx. (13 years credit history)

and how much is HL approximately?
and this 13 years credit history is helping a lot..ig

and how many CC accounts are there? I guess not many .. may be around 5 CC accounts??

 

[Credit_Cards]

I am feeling FOMO for not having HL, thus my CIBIL never going up

 

[Digvijay]

and how much is HL approximately?
and this 13 years credit history is helping a lot..ig

and how many CC accounts are there? I guess not many .. may be around 5 CC accounts??

6 cards, 50 L home loan (principal outstanding as of now 24 L with 5 more years to go)

 

[SSV]

6 cards, 50 L home loan (principal outstanding as of now 24 L with 5 more years to go)

DO you have CIBIL subscription? if so, please run " Score simulator" and choose " pay all CCs outstanding balances" option and see what it says..
Your score should be increased by around 10 points

 

[tachniki]

For just one week, i let utilization go about 20% for just one card and my CIBIL dropped from 804 to 796. 😁

 

[tachniki]

Amazon stopped CIBIL free check or is it only for me?

 

[Credit_Cards]

For just one week, i let utilization go about 20% for just one card and my CIBIL dropped from 804 to 796. 😁

you were 800+ wow

 

[SSV]

For just one week, i let utilization go about 20% for just one card and my CIBIL dropped from 804 to 796. 😁

This is about right, normally the difference will be around 10 points

 

[tachniki]

you were 800+ wow

Actually back to 804 after I paid those 2L. 🤦‍♂️

Also, SBI is not reporting current balance correctly. I have unbilled pending amount of about 1 lakh on one card and 20k on second card. For both of them SBI reported on 5th February. But they have not reported current balance. Not sure if this was always same.

 

[SSV]

Actually back to 804 after I paid those 2L. 🤦‍♂️

Also, SBI is not reporting current balance correctly. I have unbilled pending amount of about 1 lakh on one card and 20k on second card. For both of them SBI reported on 5th February. But they have not reported current balance. Not sure if this was always same.

This sbi guys fcuked me up big time last time , I don't know at what date the balance is calculated.. total screw up these guys are

 

[Arjunvijesh]

My score is 740 and it has been in the same zone for couple of years, I have cur at around 30% for credit cards + have secured business loans. And my credit history is 11 year old with 55 enquiries 😓 not going above 740 😣