cibil

I still remember the day when my CIBIL score was below 750 but my Experian score was above 870. It gave me an ego boost 😜. But as it seems those days are over.

Hi peoples I regularly check my credit reports but never had a look at the closed accounts. Today I saw something strange - I had Paytm postpaid accounts from Aditya Birla Finance which are closed for around 2-3 years now. As you can see in the screenshot - The account got closed in 2021...

Hello Experts, I need to make payments of around 5L in 2 consecutive months each. It will be about 50% of my credit limit on one of the cards. The credit limit (10L) is shared across 2 cards. I want to know if this will impact the CIBIL score somehow? Is the high utilization considered for...

I was just checking my credit score in Google pay and noticed that it showed that I had 3 late payments in my closed sbi card even though I've never missed a single payment. Is this affecting my credit score? If yes, Where should I mail sbicard?

Hello, I’m looking for CIBIL subscription discount offer code for 6 or 12 month plan if anything is available. Can I get any coupon code please?

CIBIL got upgrade! Now it notifies real time when an enquiry occurs via SMS instead of email. Most users often miss e-mails, this is useful now. Note: for this you need to register on CIBIL website first. Link: https://www.cibil.com/freecibilscore

I was hit with dreaded Your application is under verification message while applying for Tata Neu Card. This is despite me holding HDFC Bank account and Credit card. It showed my existing card limit, and that usual thingy that shared limit and 5k till 5 days blah blah... and asked me to...

As the title indicates, I recently checked my CIBIL score and it dropped by 8 points and noticed the culprit to be Member Name: INDIAN BANK Account Type: Credit Card Strangely, I have neither applied for a credit card nor opened an account with this bank, yet it appeared on my record. I...

Hi My cibil suddenly reduced from 802 to 768 as I see an overdue and late payment fo rupees 400 on my home loan. Here is what happened actually. In Jan this year, For interest rate reduction on my home loan they asked for a cheque of 5000, so I gave it but the signature did not match so the...

Is the status "No suit Filed" status in Cibil anything to be concerned about? This website https://www.cibil.com/nonsuitfiledcases/ shows non suit filed cases as "NON-SUIT FILED CASES (Wilful Defaulters Rs 25 lacs and above) (Defaulters Rs 1 crore and above)". But I have never missed any...

Suppose someone has only unsecured cards with good limits (over 50k) and no BNPL ever. And he takes few low limit secured cards (only 2k or 5k FD). What effect will it have on his credit profile. 1. Will it improve or decrease his score? 2. Will it effect the of future credit cards limit...

Is there going to be any impact because of difference between CIBIL and Experian scores?? In my case the experian score is lower and CIBIL is higher. What happens in such cases. Do banks query will all the 3 credit agencies or what happens? If one is having a average score and one is having a...

Dear members, Recently I got SBI BPCL rupay credit card as additional card to my 1+ yo Cashback credit card as an offer was going on in app. The card was instantly approved and issued on 19 December, January 4 was the statement date, 23 January was the payment date. I rely on Cred to pay...

I am not regular in checking my cibil. Last i Checked was 2 years ago and it was 780. I checked today, it shows 732. IDK what happened. In cibil reports, payment history is 100% on time, Utilization is around 8-9%. Only 3 new inquiries in last month. I closed one CC in 2022 which was from 2017...

I had a ICICI credit card which I had closed in Jan 2021 by reporting it as lost. Now on 19 Jan 2024, I received a statement for that card with due amount as Rs. 59 and due date as 6 Feb, 2024. There is one txn for 29.5 Rs for Reward redemption charges on 21 Dec 2023. Statement also shows...

IDFC First Bank ne December ki payment CIBIL ko report hi nhi ki sirf November hi show ho Raha hai onescore mein (first time cibil gen) aur card 28 nov ko issue hua tha. 🤡 Cibil is generated on the basis of no usage Jab sudden jump hoga utilisation mein toh koi problem toh nhi hogi Contacted...

My CIBIL score dropped from 795 to 787. No new inquiries, no dues, credit usage is 4% of total credit limit. 2 changes only 1) One card reached 30% credit utilization because an electronic item was bought. But overall credit usage was %4. 2)EMIfied that electronic item transaction for 3...

Amazon Pay Later (CapFloat + Karur Vysya Bank) was closed 2 months ago(closure initiated 3 months ago). I have received a No Objection Certificate (NOC) showing the closure in my CIBIL report, but in my Experian credit report, Karur Vysya is closed while Capital Float is still showing as active...

This is my first CC. Around 8 month old Moneyback plus cc with 500rs + gst. Reasons for closing this CC 1. HDFC made 2 other hard enquiries for credit card just after 1 month i recieved the card. So total 3 hard enquiry. I tried emailing them and trying to remove it for 3-4 months. They are...

I have 2 credit cards and lots of pay laters .I never use them ever .I was keeping them because the appear as always paid so I thought they might have positive effect on my cibil. But I am now thinking of closing them.Please give your views.