what's the difference between cibil score and cibil personal score ?

[|V|]

I spoke to one of the DSA for home loan who suggested me BOI and asked if I am aware of my cibil score.
They have less interest rate for anyone with 800+ score.

My score currently is around 790. The DSA mentioned that BOI checks Cibil personal score which is generally higher then my actual cibil score so in my case, he was confident that I would have 800+ cibil personal score since I have cibil score of 792.

This is the first time I am hearing about cibil personal score ? What is this and how can I check my cibil personal score ?

 

[shivamk]

New term. @SSV have you heard about this?

 

[Shubham Yadav]

I spoke to one of the DSA for home loan who suggested me BOI and asked if I am aware of my cibil score.
They have less interest rate for anyone with 800+ score.

My score currently is around 790. The DSA mentioned that BOI checks Cibil personal score which is generally higher then my actual cibil score so in my case, he was confident that I would have 800+ cibil personal score since I have cibil score of 792.

This is the first time I am hearing about cibil personal score ? What is this and how can I check my cibil personal score ?

Are you really sure that executive said cibil personal score 🤔

Because i am wondering what's really constitutes personal score

What they are gonna measure body weight, body height or BMI Index

 

[shivamk]

Are you really sure that executive said cibil personal score 🤔

Because i am wondering what's really constitutes personal score

What they are gonna measure body weight, body height or BMI Index

Lol. Maybe we all were looking at Cibil social score till now

 

[xpress]

May be he was talking about Experian? which is usually higher than CIBIL most of the times?

 

[SSV]

New term. @SSV have you heard about this?

II dont know what it is called, but there is a slight difference between what we access and what Banks access.. It was already discusse many times before..
Banks get more detailed CIBIL report in which the score is slightly different to what we were shown..

 

[shivamk]

II dont know what it is called, but there is a slight difference between what we access and what Banks access.. It was already discusse many times before..
Banks get more detailed CIBIL report in which the score is slightly different to what we were shown..

Oh this is new to me. Will research about it

 

[TrueColours]

I think it's CIBIL personal loan score ...

Transunion CIBIL’s Personal Loan Score equips lenders with detailed, predictive insights into the behaviour of personal loan applicants to make sound credit decisions.

The personal loan score effectively assesses whether an applicant is likely to default on a personal or consumer loan post 91 days within the next 12 months.

 

[|V|]

Just saw another thread from @vissu295 here : https://www.technofino.in/community/threads/what-is-cibil-personal-score.23400
Similar encounter with BOI agent.

 

[sjmajumder]

II dont know what it is called, but there is a slight difference between what we access and what Banks access.. It was already discusse many times before..
Banks get more detailed CIBIL report in which the score is slightly different to what we were shown..

Agree to this. My CIBIL score was 820 as per various portals when I applied for car loan in 2019. But when Canara Bank pulled out the report in front of me, the score was considerably less. Don't remember the exact score now but it was either 798 or 802. I argued with the Chief Manager that this is wrong and showed him through Paisa Bazaar app that my CIBIL was 820. He said don't worry you are getting the best rate as we offer the best rate for any score >=750. So, I didn't say anything else.

 

[SSV]

Agree to this. My CIBIL score was 820 as per various portals when I applied for car loan in 2019. But when Canara Bank pulled out the report in front of me, the score was considerably less. Don't remember the exact score now but it was either 798 or 802. I argued with the Chief Manager that this is wrong and showed him through Paisa Bazaar app that my CIBIL was 820. He said don't worry you are getting the best rate as we offer the best rate for any score >=750. So, I didn't say anything else.

Thank you for the confirmation..

 

[HumorSimpson]

Agree to this. My CIBIL score was 820 as per various portals when I applied for car loan in 2019. But when Canara Bank pulled out the report in front of me, the score was considerably less. Don't remember the exact score now but it was either 798 or 802. I argued with the Chief Manager that this is wrong and showed him through Paisa Bazaar app that my CIBIL was 820. He said don't worry you are getting the best rate as we offer the best rate for any score >=750. So, I didn't say anything else.

Does he know you before?
He is wise to dodge the bullet of your rbi complaints.

 

[sjmajumder]

Does he know you before?
He is wise to dodge the bullet of your rbi complaints.

No. I didn't start my RBIO spree back then. In fact there were 2 perfect cases against this loan for RBI complain but I didn't do out of gratitude towards the organization where my father used to work. But there's a limit to how much one can tolerate. So, finally I opened my RBIO journey against Canara Bank itself.