My all bureau credit scores are stuck!

[ketan12]

I have 789 CIBIL, 894 Experian, 834 Equifax, 810 CRIF Highmark (according to PaisaBazaar and OneScore).
Experian changed from 896 to 894 recently.
all three are stuck for more than 4-5 months now. What can I do to increase them? I have 3 CCs currently.
My last application is for ICICI Amazon Pay CC on 21 Aug, which got approved. I don't know but it shows a hard enquiry on 14 Sept by ICICI (source: OneScore). I completed video KYC on 14 Sept. Is the hard enquiry due to that? But then why 2 hard enquiries for 1 application?
Also, I generally pay CC outstanding before bill generation. Is the credit score stuck happening because of this?
@Credit Karma

 

[ketan12]

pay on time, keep utilization in mind

I pay before bill generation (actually I use credit cards just to avail benefits only)
My credit utilization went above (70%) actually near March this year. That made CIBIL fall to 752 from 792. From then, it rose till 789 in 2 or 3 months. Now it is literally stuck from May.

 

[Credit Karma]

I have 789 CIBIL, 894 Experian, 834 Equifax, 810 CRIF Highmark (according to PaisaBazaar and OneScore).
Experian changed from 896 to 894 recently.
all three are stuck for more than 4-5 months now. What can I do to increase them? I have 3 CCs currently.
My last application is for ICICI Amazon Pay CC on 21 Aug, which got approved. I don't know but it shows a hard enquiry on 14 Sept by ICICI (source: OneScore). I completed video KYC on 14 Sept. Is the hard enquiry due to that? But then why 2 hard enquiries for 1 application?
Also, I generally pay CC outstanding before bill generation. Is the credit score stuck happening because of this?
@Credit Karma

How old is oldest cc/credit on your report?

If it is less than 5 years old on average, the "credit history" factor has that dragging effect.

But since it is stuck for 3 months, I belive the reason for that is not your credit activity per say.

You see most of these platforms (with few exceptions, of course) give you your "free monthly report" not "free monthly credit score".

I also have noticed that PB "score" gets updated once in 3-4 months except CIBIL which gets updated monthly.

So I advise you to wait for one more month, and you will definitely see increase or decrease in your score. 👍