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share screenshot if possibleMaybe new enquiries ki waje se dip huwa hoga. It will come back and with proper utilisation of CC, keeping CUR low will definitely increase Credit Score.
I don't think CUR of Loan is considered.
I have a Personal Loan and the Score was constantly 747 till February when I applied for Credit Cards and score went to 723 and I got Cred Card in March then it kept increasing with low CUR. Currently, it is 763.
share screenshot if possible
Limit kam hain. Use carefully. Better to keep Utilization ratio 0, if you can do that. Use CC but pay the amount before it is reported.now i have 4 Credit cards icluding One secured Credit card
View attachment 77009
currently its 3%Limi
Limit kam hain. Use carefully. Better to keep Utilization ratio 0, if you can do that. Use CC but pay the amount before it is reported.
Like ur HDFC CC has reporting date 22nd, Axis has 15th... Pay the outstanding before these dates,
Har card ka alag se dekhna hai.currently its 3%