Experian - New scoring method?!?!

[Andapally]

Is this same for everyone or only me?
Score reduced by 30 points.

 

[Zacobite]

if you have refreshed today.. it is really an exceptional score

refreshed again.. 830

 

[Rahul Gupta]

Did you generate your latest report through WhatsApp?

I also see a credit enquiry of ₹0 for Consumer search by "Bureau Disclosure Report with
Customized Match V3".

Yes. I always check via whatsapp route but never got any inquiry.

 

[SSV]

refreshed again.. 830

this sounds more in line with the current update..
from now on no one will have greater than 850

 

[Zacobite]

Yes. I always check via whatsapp route but never got any inquiry.

its fine.. it doesn't impact anything

 

[Vineet_]

I found enquiry for v3 updates for reports check via whatsapp.

Will they remove or doing trial.

 

[SSV]

I found enquiry for v3 updates for reports check via whatsapp.

Will they remove or doing trial.

View attachment 49705

this enquiry will not have any impact on the score..... dont worry about this guys...

See closely this, Search Type = Consumer search

So just chill , it wont count in the calculation of your score..
Enjoy the weekend

 

[Lakshya Mahani]

My credit score reduced from 884 to 814 (Yesterday 884) with a new credit enquiry (today's date 13/04/24) from an institution name : Bureau Disclosure Report with customized Match V3

Same happened with me too.

 

[Deleted member 30446]

wow.. thats. a lot.. is it safe. to assume cibil and experian will now be same

too gd to be true.. will drop for sure.. maybe some batch sync

My CIBIL is actually higher now, 789.

 

[MS R]

my updated score 801

 

[RAMESH BABU N]

Some fine tuning attempt is underway... It appears so.

My CIBIL - 793
Experian - 794

As of now. In the morning it was 793. Now, 794.

 

[SSV]

my updated score 801

From what score? That is important here

 

[Anil_Singh]

My score went from 810 to 767. No new enquiry.

Edit-

CIBIL - 774

 

[CARDiologist]

809 to 745
Also a enquiry by bureau disclosure report with customised match v3

 

[MS R]

From what score? That is important here

from 805 to 801

 

[Riya]

I just checked my Experian report via WhatsApp and there is a hard enquiry by the bureau itself...
WTF!!!
mine fell from 800+ to below 800 zone

 

[SSV]

View attachment 49713

I just checked my Experian report via WhatsApp and there is a hard enquiry by the bureau itself...
WTF!!!
mine fell from 800+ to below 800 zone

This new enquiry of “ customer search” will have no impact on the score…
Your score was reduced because of implementation of version 3 of the score calculation method…
Everyone got impacted by some points ranging from 1 to 110

 

[Sahilhenzy]

Mera toh last month hi drastically down hua hai 800 something se 730. Aaj kal hi mene refresh Kiya toh score same tha 730. CRIF is also effected from last month which went from from 730 to 672 something..

 

[krish11]

My score dropped from 811 to 781 and CIBIL is 786.

Already annoyed with that crappy Hunter Check by Experian which got one application rejected & now dropping my score with new calculation methods.

CIBIL definitely seems more stable and reliable

 

[athul]

Experian 840 to 769. Cibil 778.

 

[SSV]

Experian 840 to 769. Cibil 778.

now both are pretty close..

my cibil 802 and experian 810 ..