How to improve CIBIL beyond 807

[sjmajumder]

I had CIBIL score of 820 when I took a car loan in 2019 which brought down my CIBIL straight to 798 (not sure why such a big drop). Canara Bank did make 2 hits by mistake and refused to remove it. They made the first hit for personal loan (LMAO) whereas I applied for car loan. Later when they realized they made another hit for car loan for same amount and even debited my account by Rs. 55 as charge for the same which again they refused to reverse.

I never missed any EMI and closed my 7 years loan in 2 years. But ever since then my CIBIL moves between 802 to 807. Never gone beyond 807 ever after that.

How can I improve it further. Any suggestions? Please help 🙂

 

[Nishan11]

I think aby cibil score ranging above 780 is more than enough. No point taking stree about crossing 800 & then more.

Mine Cibil is 797. I check once every week to see whether each bank has reported accurately or not. I will only stress about Cibil if it gets below 780 or some wrong reporting by bank. I hope not to witness such act 😂