🚀 CIBIL Score Flex! Let’s See Yours! 🚀

[SJM]

Just checked my CIBIL score, and it’s looking 🔥809! 🎉💰 Hard work, smart credit usage, and on-time payments are paying off!

Show off yours! Drop a screenshot of your CIBIL score in the comments and let’s celebrate those high numbers together. 📊💪

Who’s got the highest score here? Let’s brag a little! 😎🔥



Leaderboard:
🥇 Gold - @HellsFury 810
🥈 Silver - @sjmajumder 809
🥉 Bronze - @realSP, @naveenjoshi 808


Other 800 Club Members:
807 - @Prem03, @sanzz
806 - @percolate
805 - @iamdhamo
804 - @TechnoFino
801 - @srinadhjyothi
800 - @iamvk, @Yugi, @SSV



P.S. You can check your credit scores for free:

• CIBIL: GPay, Paisabazaar, Cred, OneScore and once a year in CIBIL official site/app.
• CRIF: Cred (some accounts), Airtel Thanks, Mobikwik, MoneyControl and once a year in CRIF official site/app.
• Equifax: Paisabazaar, Tata Nue and once a year in Equifax official site/app.
• Experian: Paisabazaar, One Score, BankBazaar, PhonePe, PayTM and daily in Experian official site/app.

 

[SJM]

So, in general, more credit cards helps to increase credit score. (Obviously if we pay dues on time).
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Update from my side my cc utilisation reduced from 36% to 20% in last 2-3 months. Yet, the score remain same 783 (now).

Also, I feel because my cc utilisation reduced substantially but not the personal loan liability (even though PL also reduced but not at same speed). Therefore, it's now more skewed towards PL perhaps that's the reason it's not benefitting much to my score at this point.

Any single card utilization over 30%

 

[2025]

Any single card utilization over 30%

Yes, 3-4 perhaps.

 

[hender]

Actually 0 loans. Those are all pre approved offers, all with zero balance.

You availed them ? Or just showing in CIBIL without using?

 

[SJM]

You availed them ? Or just showing in CIBIL without using?

It is like pre-approved credit line. I have never availed any of those. I don't know how they appear but since I think they help maintain a good credit mix, I am ok with it.

 

[SJM]

Yes, 3-4 perhaps.

The it won't improve. Reduce all card usage to below 30%

 

[hender]

Any single card utilization over 30%

That will help to increase ?

It is like pre-approved credit line. I have never availed any of those. I don't know how they appear but since I think they help maintain a good credit mix, I am ok with it.

Those are direct Bank's Credit Line or NBFC/Fintech association ?

 

[2025]

The it won't improve. Reduce all card usage to below 30%

That's not possible for me at the moment.
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But the point I was making is... the impact of cc utilisation won't be felt if we have proportionate other loans. Because even with utilisation rising to (till about) 60% from 5% I have seen score also rising from 750 to 770.

Perhaps because it was balancing with my other type of loan (i.e., unsecured personal loan in my case).