CIBIL STUCK AT 779 🤒

[sonuJai]

I'm using 2 credit cards (Sbi&HDFC) since around 1 year. I never used above 10% of my combine Credit Limit. I monthly check my CIBIL SCORE on Google Pay Free version however since last 4 months my CIBIL SCORE is stuck at 779 no improvement at all. What should I do to increase it or (to Decrease 🤐😬) I mean what I'm missing is it's not moving at all any suggestions? Should I stop checking it monthly basis? (Although I'm aware that checking Own score doesn't impact)

Suggestions will be really helpful...😸
Thanks!

 

[Sourabh_13]

Patience...you need to be patient and keep things boring if you want to increase the score.

Different factors like age of oldest active account, etc. are weighed differently. As your accounts get older, number of on time payments go up, slowly, the score will go uphill by leaving the platue.

You already know what you need to do to make the score go down. Apply for multiple cards in a short period, use more than 30% overall CL, make late payments, etc. will make your score hit new lows.

 

[CCPS]

779 is not a bad score. Why you want it go up desperately?

Keep patience. Karm karo, fal ki chinta mat karo.

 

[helloworld]

check after 6 months, till then dont login cibil.