Cibil Transunion Membership, Worth it?

[arjun]

I am thinking of buying the cibil premium subscription for 1200rs for 1 year. Anyone here have it, if yes can you share your review? I have tried other external apps but the problem is every other app is showing a different cibil. Paisebazar, Onescore, etc. And they update the score also on different dates. Anyone have any suggestion?

 

[krishc]

I bought it last year at 50% discount @550 for one year. At that price, personally feel it's worth it for a CIBIL conscious person like me.
But yes, 1200 would be a bit steep price and I'll have to reconsider in that price.

 

[ashwinkashwink is verified member.]

I am thinking of buying the cibil premium subscription for 1200rs for 1 year. Anyone here have it, if yes can you share your review? I have tried other external apps but the problem is every other app is showing a different cibil. Paisebazar, Onescore, etc. And they update the score also on different dates. Anyone have any suggestion?

Check your cibil by weekly different providers freely.

 

[BigdeBigde is verified member.]

If you are an HDFC Card customer, you will be able to use this link https://myscore.cibil.com/CreditVie...tm_medium=website&utm_campaign=hdfcntbwebsite for free to get your CIBIL score. I have been using it since last couple of years and didn't pay a single penny to them.

 

[ashwinkashwink is verified member.]

If you are an HDFC Card customer, you will be able to use this link https://myscore.cibil.com/CreditVie...tm_medium=website&utm_campaign=hdfcntbwebsite for free to get your CIBIL score. I have been using it since last couple of years and didn't pay a single penny to them.

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Not only hdfc bank account holders rest others too

 

[krishc]

How

There was a promotional discount during December last year.

 

[krishc]

If you are an HDFC Card customer, you will be able to use this link https://myscore.cibil.com/CreditVie...tm_medium=website&utm_campaign=hdfcntbwebsite for free to get your CIBIL score. I have been using it since last couple of years and didn't pay a single penny to them.

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what's the frequency of this ?
once a month ?

 

[BigdeBigde is verified member.]

You can access as many times as you want, also refresh is available all the time.

 

[krishc]

You can access as many times as you want, also refresh is available all the time.

that's literally wow
I'll definitely to switch to this once my current subscription ends

 

[prc1990]

You can access as many times as you want, also refresh is available all the time.

Unlimited refresh is for existing customers, one refresh/month for NTB customers.

 

[arjun]

If you are an HDFC Card customer, you will be able to use this link https://myscore.cibil.com/CreditVie...tm_medium=website&utm_campaign=hdfcntbwebsite for free to get your CIBIL score. I have been using it since last couple of years and didn't pay a single penny to them.

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Which username and password we have to put? My cibil username and password is not working, I am a preferred account holder in Hdfc.

 

[007]

Which username and password we have to put? My cibil username and password is not working, I am a preferred account holder in Hdfc.

Register first at Link to Register then use this Link for returning users to check.

 

[arjun]

Register first at Link to Register then use this Link for returning users to check.

Thanks 👍

 

[chacks18]

@007 @arjun @krishc @bidge
https://www.technofino.in/community...log-in-through-hdfc-partnered-cibil-link.633/

 

[pjain2712]

Unlimited refresh is for existing customers, one refresh/month for NTB customers.

I have an account in HDFC but it still shows I get refresh only once in a month. @bidge

 

[thunderbolt]

Register & check your score in the official cibil website once, when they run promotional offers they send you an email about the discounted price, that's the right time to buy.

 

[thunderbolt]

Cibil10 ... Do they provide more discounts?

Ya upto 50% off for limited time sometimes.

 

[saiki4116]

I am thinking of buying the cibil premium subscription for 1200rs for 1 year. Anyone here have it, if yes can you share your review? I have tried other external apps but the problem is every other app is showing a different cibil. Paisebazar, Onescore, etc. And they update the score also on different dates. Anyone have any suggestion?

I felt it was worth it. I was apprehensive for taking multiple cards. One day, I tried the simulator for taking a new credit card, and they was no change in score, so applied for newer cards.
I was able to understand on what date a certain bank posts to CIBIL and how the credit utilisation is getting calculated.
HDFC doesn't report Credit limit, only high usage. Whenever there's a new High usage on HDFC CC, I can see my score getting reduced temporarily.
I got to know DPD for determining the score is a 36 month window.

To understand the above things, technically CIBIL subscription isn't required, but I bothered to look and understand those things only after taking subscription and checking score and report quite often.

 

[saiki4116]

If you are an HDFC Card customer, you will be able to use this link https://myscore.cibil.com/CreditVie...tm_medium=website&utm_campaign=hdfcntbwebsite for free to get your CIBIL score. I have been using it since last couple of years and didn't pay a single penny to them.

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Thanks for sharing, I would try this after my current subscription is over

 

[saiki4116]

DPD?

Days Past Due.
SBI home loan guys created a seperate loan account for just for the home loan insurance and they didn't tell me about any Debits that's gonna happen on that, because of that I got 2 transactions that are >30 Days Past Due. I have realised these very late when I was applying for another loan. Previously DPD window used to be 24 months, CIBIL have increased it to 36 months now.