What is your 💳 score?

[Credit Karma]

Share your credit score along with number of years since your first account opened (doesn't matter if it is closed currently)

Update March 2023

CIBIL - 738
Experian - 802
Equifax - 702
CRIF - 560

Credit History - 1.75 Years

 

[Credit Karma]

any help on this?

I think you should try calling on the CIBIL official helpline number. They may be able to help you with this!

 

[Credit Karma]

Interesting permutations and combinations above.

This is my current status.


CIBIL 786
Experian 827
Crif 784
Equifax 725
Credit History 27 Years
Active CC 27
Closed CC 22
Active Loans 2
Closed Loans 10

You may be just the person to help me with details.

It is an old thread, I'm linking here. Please feel free to reply.

Does anyone here have any idea of how long closed loan accounts and closed credit card account remains on one's credit report?
Is there any criteria for removing closed accounts that were in good standing that is all payments are made on time and those closed accounts whose payments were not made on time?

Has anyone had any experience regarding this?

I have searched this on Google but only USA's laws comes up. As I understand in USA good standing account (on time payments) remains on account for 10 years even after closing them and for accounts with any derogatory marks they will remain on report for 7 years.

Is there any such rule in India?

 

[Rahul92]

Cibil - 786

Is it me only that i get a a cibil score of 786 a lot (90% of times)

 

[CChoarder]

Cibil 784 as I have currently 0 utilisation.
will probably drop between 770-775 after this month's update because I have utilised 10% from my credit limit.

 

[akshayhs]

2023 stats:

777 on CIBIL.
830 on Experian.

 

[Sudarshan61]

Experian 841
CIBIL 795

 

[Hiren Bhayani]

Experian 894
Someone might not believe

 

[krishg]

Experian 894
Someone might not believe

May be banks are taking loans from you! 🤣🤣 🤣

 

[Hiren Bhayani]

Credit age, unsecured vs secured loans/cards?

Credit age - 8 year
Only unsecured CC - Credit utilisation is also under 10%
Never applied for secured CC
I have prepay the loan too in last 15 months.
Currently only 2 CC are there.

 

[zaid_2913]

CIBIL- 795
Experian- 780

Here most of the people have experian higher than CIBIL but from past 1-2 year my CIBIL is always higher than experian.

 

[fatehbajwa]

You may be just the person to help me with details.

It is an old thread, I'm linking here. Please feel free to reply.

From what I can see in my CIBIL reports...all accounts stay forever....only difference is that they are clearly marked closed.

 

[vip3rc5]

One Trick of increasing CIBIL score is letting the banks report my moderate usage (Like 10 to 12% utilization) for multiple cards. It downs my score my 2 points at max, and then suddenly all the utilization turns to zero as I pay the entire amount, that bumps the score by at least 7 to 8 points. This has worked for me, not sure if it works for others. But yeah it doesn't always work

 

[Credit Karma]

From what I can see in my CIBIL reports...all accounts stay forever....only difference is that they are clearly marked closed.

Well, that's a bummer! Thanks for the reply though ☺️

Hey, what about enquiries? Do those still remain there on the CIBIL? Or does CIBIL remove enquiries after some years on its own?

 

[zaid_2913]

Well, that's a bummer! Thanks for the reply though ☺️

Hey, what about enquiries? Do those still remain there on the CIBIL? Or does CIBIL remove enquiries after some years on its own?

After 3 years enquires will fall off but not closed accounts.

 

[WandereR]

Experian - 858
CIBIL - 782
Equifax - 690
CRIF - 687
Credit Age - Less than 1 year.

 

[Credit Karma]

After 3 years enquires will fall off but not closed accounts.

Not true! I had a Kotak CC enquiry on my CIBIL dating back to 2016.

This 3 years drop off window is for USA, not applicable in India.

For more info refer this thread -

Does anyone here have any idea of how long closed loan accounts and closed credit card account remains on one's credit report?
Is there any criteria for removing closed accounts that were in good standing that is all payments are made on time and those closed accounts whose payments were not made on time?

Has anyone had any experience regarding this?

I have searched this on Google but only USA's laws comes up. As I understand in USA good standing account (on time payments) remains on account for 10 years even after closing them and for accounts with any derogatory marks they will remain on report for 7 years.

Is there any such rule in India?

 

[zaid_2913]

Not true! I had a Kotak CC enquiry on my CIBIL dating back to 2016.

This 3 years drop off window is for USA, not applicable in India.

For more info refer this thread -

Check now in cibil official website and confirm. I am 100% sure. From last 2 months all the existing enquires falling of.

 

[Credit Karma]

Check now in cibil official website and confirm. I am 100% sure. From last 2 months all the existing enquires falling of.

If that's the case, then this is definitely a good news.

But cibil does not have any such info on their website.

May be, they will reply to this query once we mail them for more info.

 

[zaid_2913]

If that's the case, then this is definitely a good news.

But cibil does not have any such info on their website.

May be, they will reply to this query once we mail them for more info.

If you have subscriptions check enquiry section. It will only show from 17-02-2020 to today.

 

[Pr@k]

Cibil 780+
History 20yrs+

Interestingly no transaction of 2023 updated in system