Highest CIBIL score

[2024]

Who has highest CIBIL score

 

[magnusfan]

784 (reduced from 820 - I think due to the high inquiries - but who cares!)

Credit Inquiries: 46 🙂

 

[InfamousInfamous is verified member.]

784 (reduced from 820 - I think due to the high inquiries - but who cares!)

Credit Inquiries: 46 🙂

whats the time period?

 

[magnusfan]

whats the time period?

14 years and counting!

 

[Ankit ladia]

838 by Experian

 

[SSV]

838 by Experian

Very good score.. is this your current score? or some time back?

 

[Ankit ladia]

My current score.

Using credit card from 3 months now.

Had taken loans earlier. Maybe 7-8 year history.

 

[Shin-Chan]

Very good score.. is this your current score? or some time back?

SSV Garu 800+ is a good Score on Experian now with V3?

 

[bigbyte]

Was sitting on 830 CIBIL. Closed home loan and since then floating between 798-808 depending on credit card usage.

 

[SSV]

SSV Garu 800+ is a good Score on Experian now with V3?

Yes.. in the new version anything above 800 is really good.. and 820+ is an excellent score..

 

[Ankit ladia]

 

[SSV]

Was sitting on 830 CIBIL. Closed home loan and since then floating between 798-808 depending on credit card usage.

Still Excellent score..

 

[SSV]

View attachment 57879

How old is this credit profile?? ie. the oldest card's age??
I guess not much..

 

[Ankit ladia]

How old is this credit profile?? ie. the oldest card's age??
I guess not much..

Overall credit profile 8 years.

Cards only 3 months back, 3 cards including Marquee. Earlier it was 835

 

[SSV]

Overall credit profile 8 years.

Cards only 3 months back, 3 cards including Marquee. Earlier it was 835

An excellent score neverthless..

What is the oldest cards age ( active) which is on the record as far as Experioan is concerned ?
Is it 3 months or 8 years?

If it is 3 months, then it is noraml to have very high scores initally with very few active accounts and a limited no of enquiries..

As time passes , the increase in no of accounts and enquiries will pull score back it to somewhere around 800 to 810 assuming all ontime payments..

 

[Ankit ladia]

An excellent score neverthless..

What is the oldest cards age ( active) which is on the record as far as Experioan is concerned ?
Is it 3 months or 8 years?

If it is 3 months, then it is noraml to have very high scores initally with very few active accounts and a limited no of enquiries..

As time passes , the increas in no of accounts and enquiries will pull score back to somewhere around 800 to 810 assuming all ontime payments..

3 month. ( for credit cards only )

Before that also my credit score was above 820 something.
As far as I can remember, it was always above 800.
I leaned to see.credit scores an year back only.

 

[S D S]

Highest was probably 806 (3 months back) , I don't check it too often. Now it is down to 803 because of 2 reasons
1. 3 enquiries from axis in last 3 months(which they are in the process to reverse)
2. Bought a car with cc, so the utilization reached almost 90%

Do we have to request banks to reverse? Will that improve the score

 

[Shin-Chan]

Do we have to request banks to reverse? Will that improve the score

if it was wrong enquiry or >=1 enquiry for single card then ideally one should request for removal.



Also, it might not improve score but the total number of enquiry will be in check as many enquiry in last 6/12/36 months can be taken as a proxy for how much desperate or in need the person is for extra credit/loan (basically liability) and Bank would love to give credit/loan to someone with no to little liabilities.

 

[saniruidas]

CIBIL: 776 (now) , range 771 to 786, highest 860 ( First month of CC 🤣)
No. of CC: 10 ( Unsecured)
No. Of loan: 1 personal+ 6 BNPL
Credit age: 3 years

Number of inquiries: 47 in last 3 years ( 27 last 6 months 😅)

 

[salisburry44]

Cibil: 772
No of cc: 6
No of loans(secured):7
No of enquire past 2 yrs: 34
Credit age: 7yrs