How to find my historical credit score?

[pleasegiveltf]

Want to get a month by month view of my credit score (CIBIL). Currently only have from January 2023 on the Paisabazaar app since that's when I started using it.

Will paying for a CIBIL subscription help me see my historical credit score?

 

[D₹V]

You can't see anyway ig. It's just number, what you'll do with numbers?

 

[pleasegiveltf]

I can find out what triggered a decrease or increase in score by mapping the number to what's new on the report in the previous month or what happened recently

 

[D₹V]

I can find out what triggered a decrease or increase in score by mapping the number to what's new on the report in the previous month or what happened recently

There are many apps which offer monthly free credit score. You can download from there and compare each month. e.g. GPay, FreeCharge, Airtel Thanks etc

Like reporting, usage etc changes.

 

[CVR]

I can find out what triggered a decrease or increase in score by mapping the number to what's new on the report in the previous month or what happened recently

Score gets impacted most by late payment, followed by high utilisation (30%+ in any single card) and lastly minor impact of credit inquiry when u apply for card/loan.. age of account also matters so better to not close your oldest account with good history.. i am simplifying it but this is generally true.. instead of looking for old data just monitor monthly from now on, u will get a sense in 6-7 months..

 

[Alex292929]

I can find out what triggered a decrease or increase in score by mapping the number to what's new on the report in the previous month or what happened recently

History will start to build from the date you bought the subscription.
For example I bought the membership few days back. This is what it looks like.

 

[pleasegiveltf]

Ah okay. Wanted to get for the months I didn't monitor through any of these apps. I guess that's not possible 😅. Will monitor monthly going forward

Thanks @CVR @D₹V

 

[D₹V]

History will start to build from the date you bought the subscription.
For example I bought the membership few days back. This is what it looks like.

View attachment 14319

How much it costed you bro? Any promo?

BTW I use iMobile, it provides 🆓 credit score each day 😜, only for ICICI account holders.

 

[pleasegiveltf]

History will start to build from the date you bought the subscription.
For example I bought the membership few days back. This is what it looks like.

View attachment 14319

Thanks a lot! That answers my question - but I guess then there's no point in getting the subscription now. Wish they gave the historical numbers too. Guess will just monitor using one of the free methods

 

[D₹V]

Ah okay. Wanted to get for the months I didn't monitor through any of these apps. I guess that's not possible 😅. Will monitor monthly going forward

Thanks @CVR @D₹V

Search on technofino, you'll get list of apps.

 

[Alex292929]

How much it costed you bro? Any promo?

BTW I use iMobile, it provides 🆓 credit score each day 😜, only for ICICI account holders.

Bro to be honest I bought it out of curiosity, won't be buying it further.
It costed me ₹1080 (used UMANG10)

 

[D₹V]

Hahaha 😳😂, happens. But I heard many service providers, provide in 600₹ only.

Bro to be honest I bought it out of curiosity, won't be buying it further.
It costed me ₹1080 (used UMANG10)

 

[Alex292929]

Hahaha 😳😂, happens. But I heard many service providers, provide in 600₹ only.

Yes technofino was providing for ₹500 but for that we have to share the CIBIL ID Pass but I was not comfortable doing that.
Data > ₹500

 

[panu24]

Want to get a month by month view of my credit score (CIBIL). Currently only have from January 2023 on the Paisabazaar app since that's when I started using it.

Will paying for a CIBIL subscription help me see my historical credit score?

No. But if you take subscription, you can take a look every 2-3 days to know how score is getting impacted.

 

[Alex292929]

Thanks a lot! That answers my question - but I guess then there's no point in getting the subscription now. Wish they gave the historical numbers too. Guess will just monitor using one of the free methods

You can also use score simulator for free on Gpay

 

[panu24]

Yes technofino was providing for ₹500 but for that we have to share the CIBIL ID Pass but I was not comfortable doing that.
Data > ₹500

True. Those giving subscription in less amount, we need to share our CIBIL ID/Pass ( I will say our whole cibil data actually) with them.

 

[Rahul Gupta]

How much it costed you bro? Any promo?

BTW I use iMobile, it provides 🆓 credit score each day 😜, only for ICICI account holders.

How?

 

[D₹V]

How?

iMobile app.

 

[Rahul Gupta]

iMobile app.

How do you check eveydayin imobile app?

 

[D₹V]

How do you check eveydayin imobile app?

Just click manage 🤔 & they'll give you full report on email without any cost.