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How to improve CIBIL beyond 807

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sjmajumder

sjmajumder

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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 🙂
 
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EnthuCC said:
Manually forward them from primary email to Cred email.
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That's a lot of effort. You can auto forward mails based on recipient email-id and keywords. But in both cases the sender name in your forwarded mail will be your name. Not sure what cred uses to identify these mails.

Btw nowadays for some banks, Cred is also connecting to the bank while paying the bill to get the latest statement outstanding. Once they start connecting with all banks, all worries will be over. I am yet to cross verify this feature by part paying in advance from other source and then paying the rest through cred to check whether cred can fetch the current outstanding instead of the original outstanding.
 
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sjmajumder said:
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 🙂
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howz your score now ? got 820+
 
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sjmajumder said:
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 🙂
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I guess no one can suggest... Score 820. Nw hovering 802 to 807..🙏🙏
 
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sjmajumder said:
I feel very lowly as I used to have 820 and I don't see any reason why 820 is not restored 😢
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Now sue CIBIL
Sue Vincent Kartheiser GIF by Proven Innocent
 
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