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 🙂

 

[cardy]

Agree on your first point...will post a new thread.

Update: Posted here 👉 https://www.technofino.in/community...sation-for-harassment-from-canara-bank.25262/


Second one, it's now almost 5 years old. Doesn't even reflect in my CIBIL anymore. The complaint this time was due to the cumulative effect of all the negative past experiences.

I hope they will learn a lesson and will start treating customers with the respect we deserve. Don't show me attitude when I ask for service - that is all I want.

That's the spirit man.

 

[sjmajumder]

Finally crossed the 807 mark and reached 809. No clue how this happened. I have been on some heavy spends since June, but that should not improve my CIBIL score - right?

 

[HumorSimpson]

Finally crossed the 807 mark and reached 809. No clue how this happened. I have been on some heavy spends since June, but that should not improve my CIBIL score - right?

View attachment 68201

Could be that 1380 payments crossed some threshold

 

[sjmajumder]

Could be that 1380 payments crossed some threshold

Also, I crossed 2% credit usage for the first time. Don't believe the credit mix - I don't have a single loan (apart from Uni PayCheck). Those are all pre-approved offers, none disbursed.

 

[Aniket]

Also, I crossed 2% credit usage for the first time. Don't believe the credit mix - I don't have a single loan (apart from Uni PayCheck). Those are all pre-approved offers, none disbursed.

View attachment 68209

Credit age and how you keep/track due date so as to avoid default, your personal practice?

 

[sjmajumder]

Credit age and how you keep/track due date so as to avoid default, your personal practice?

Credit age is 18 years.

I use Cred for all CC payments. Have an e-mail id for only banks and CCs. Cred has access to this Gmail account.

 

[Aniket]

Credit age is 18 years.

I use Cred for all CC payments. Have an e-mail id for only banks and CCs. Cred has access to this Gmail account.

Ok thanks for sharing!

 

[Riya]

Also, I crossed 2% credit usage for the first time. Don't believe the credit mix - I don't have a single loan (apart from Uni PayCheck). Those are all pre-approved offers, none disbursed.

View attachment 68209

mera to enquiry section bhi zero hai aur CUR bhi.... fir bhi nahi badh rha score

 

[EnthuCC]

I use Cred for all CC payments. Have an e-mail id for only banks and CCs. Cred has access to this Gmail account.

Can I ask bank to send credit card bill to a specific email? The one which is not used for netbanking?

 

[Aniket]

Can I ask bank to send credit card bill to a specific email? The one which is not used for netbanking?

You can always ask but they will never honour this request.

Bill is sent automatically to a registered e-mail address.

 

[EnthuCC]

You can always ask but they will never honour this request.

Bill is sent automatically to a registered e-mail address.

I tried forwarding those emails to a separate one and provided access to that email to Cred.
But it failed many times fetching correct amount. And many times failed to even fetch any amount.

 

[Bodhi]

Which App are you using for CIBIL report?

 

[Aniket]

I tried forwarding those emails to a separate one and provided access to that email to Cred.
But it failed many times fetching correct amount. And many times failed to even fetch any amount.

What sorts of instructions have you given to forward Statment?

Have you written e-mail address from which you're receiving your statement and key words?

Or else put reminder or add credit on other platforms....

 

[EnthuCC]

What sorts of instructions have you given to forward Statment?

Have you written e-mail address from which you're receiving your statement and key words?

Or else put reminder or add credit on other platforms....

Manually forward them from primary email to Cred email.

 

[varun__goel_]

Can I ask bank to send credit card bill to a specific email? The one which is not used for netbanking?

There is a filter option in gmail. It automatically forwards the mail to your another mail id. The mail also gets detected by cred and other apps

 

[Aniket]

Manually forward them from primary email to Cred email.

It can be forwarded automatically when you give proper instructions and keywords for forwarding to a separate e-mail.

 

[HumorSimpson]

why grant access to mail. for me cred always correctly fetches from sms

 

[sjmajumder]

Can I ask bank to send credit card bill to a specific email? The one which is not used for netbanking?

No. You have to update your email id.

 

[sjmajumder]

Which App are you using for CIBIL report?

Many. Screenshot is from Gpay

 

[sjmajumder]

why grant access to mail. for me cred always correctly fetches from sms

I had issue couple of times when SMS was not received. And on another occasion when last 4 digits of 2 ICICI cards were same. Cred interpreted incorrectly and showed payment due for wrong card.