Credit scores in order of importance

[ltf4ever]

hi,

i know of cibil, equifax, experian, highmark, crif scores.

what is the order or importance of these scores? i know cibil is the one most used an relied upon. but should i be worried if one of these scores is not as good as the rest of them?

 

[007]

hi,

i know of cibil, equifax, experian, highmark, crif scores.

what is the order or importance of these scores? i know cibil is the one most used an relied upon. but should i be worried if one of these scores is not as good as the rest of them?

For Experian, Equifax, CRIF Highmark - Not sure about the order of importance. But you should check them once in a while for reported credit account information. Don't worry much about the scores per se as they are volatile.

For CIBIL - You should be concerned only if it's lower than 750!

You can also refer this thread:

Experian score dropped by 40points after opening new cc account

I don't monitor my experian score regularly. However It was 800+ in June. I refreshed today & saw it dropped by 40points. I only added axis select card past month & I noticed sudden experian dropped. Is this normal? Anybody else experience similar drop with experian

www.technofino.in

 

[hashiro7hashiro7 is verified member.]

CIBIL > Experian > CRIF > Equifax
p.s: mostly CIBIL and Experian matters. | Axis bank gives card on Experian as well. *personal experience*

 

[007]

Axis bank gives card on Experian *personal experience*

Can you elaborate on this? 👀

@TechnoFino @Subhankar @bhavyegoel Is this true?

 

[TechnoFinoTechnoFino is verified member.]

Can you elaborate on this? 👀

@TechnoFino @Subhankar @bhavyegoel Is this true?

Sometimes axis bank check your Experian score before offering credit card

 

[ujjawal]

Sometimes axis bank check your Experian score before offering credit card

I have seen enquiries on my Experian score for every-time I have applied for Axis bank credit card or Personal Loan.

 

[SunnyM]

I have seen enquiries on my Experian score for every-time I have applied for Axis bank credit card or Personal Loan.

This info is very usefull. Thanks so much .

 

[SunnyM]

Sometimes axis bank check your Experian score before offering credit card

So they make hard enquiries on both cibil and Experian ? I wanted to apply an axis credit card but my cibil is only 754 and this would be my second hard enquiry this month if I apply and my Experian is 884 that's why I am asking .

 

[TechnoFinoTechnoFino is verified member.]

So they make hard enquiries on both cibil and Experian ? I wanted to apply an axis credit card but my cibil is only 754 and this would be my second hard enquiry this month if I apply and my Experian is 884 that's why I am asking .

yes, they check both. you can apply

 

[SunnyM]

yes, they check both. you can apply

Sir
I applied and it was approved within 2 hours without any income proof or verification 😳
. I hope it's not a mistake. Do Flipkart axis credit cards are approved this easily ?

 

[ashwinkashwink is verified member.]

Sir
I applied and it was approved within 2 hours without any income proof or verification 😳
. I hope it's not a mistake. Do Flipkart axis credit cards are approved this easily ?
View attachment 3607

Applied from Flipkart?

 

[SunnyM]

Applied from Flipkart?

Yes I applied from Flipkart.

 

[ashwinkashwink is verified member.]

Yes I applied from Flipkart.

Congratulations your card is approved..don't worry

 

[TechnoFinoTechnoFino is verified member.]

Sir
I applied and it was approved within 2 hours without any income proof or verification 😳
. I hope it's not a mistake. Do Flipkart axis credit cards are approved this easily ?
View attachment 3607

not that easy... congratulations 👏

 

[SunnyM]

not that easy... congratulations 👏

Thanks so much . You gave me the confidence with the go ahead. I honestly never applied for any axis Bank credit card before because I know they don't give out credit cards easily.

 

[Dr. Drake]

Sir
I applied and it was approved within 2 hours without any income proof or verification 😳
. I hope it's not a mistake. Do Flipkart axis credit cards are approved this easily ?
View attachment 3607

If you have a good credit score and credit history, axis ace, neo, and select are sold and offered quite simply, sometimes even without income documentation.
I received Axis select without a physical KYC check or any supporting evidence for my income.

Axis' affiliate programmes currently give up to 2000 for each successful card issuance. So yeah you can get axis card pretty easily

 

[repertoire]

If you have a good credit score and credit history, axis ace, neo, and select are sold and offered quite simply, sometimes even without income documentation.
I received Axis select without a physical KYC check or any supporting evidence for my income.

Axis' affiliate programmes currently give up to 2000 for each successful card issuance. So yeah you can get axis card pretty easily

Did you have a Burgundy account at the time of applying for Select?

 

[Dr. Drake]

I am not connected to axis in any way. I paid 3000 plus GST in joining costs. I liked the card's design and required it for lifestyle reasons (Golf)

Did you have a Burgundy account at the time of applying for Select?

 

[repertoire]

I am not connected to axis in any way. I paid 3000 plus GST in joining costs. I liked the card's design and required it for lifestyle reasons (Golf)

Ah, thanks. Did you apply for it directly? Through the Axis website? You said something about affiliate programs.

 

[Dr. Drake]

Ah, thanks. Did you apply for it directly? Through the Axis website? You said something about affiliate programs.

I applied through my own affiliate(third party app) earned 2k from affiliate commission