credit score

I borrowed from slice in btech first year, i completed my graduation last month, there are no late payments. Is my credit score low? Will i not have many opportunities for loans and credit cards? Will it be hard for me to get a good credit card?

Hi, my credit score is declining. It is getting lower for two consecutive months. I am using Cheq App and it said that my Experian Score declined 2 points previous month and 8 points this month. I am having timely payments, low credit utilisation ratio, etc., that is I am using as I was using as...

Hey all I have a question to all of you regarding the loan repayment and it's effect on cibil Actually I had taken loan from truebalance app due to some medical emergency and the due date for the emi was 3 April 2025 and this loan was scheduled to be paid via upi or debit card since I hadn't...

Hi guys! Just like every day, I sat down to check my CIBIL and Experian credit reports. But today, I was in for a surprise! Experian has discontinued its free daily credit report download feature. Now, if you want to check and download your report, you must subscribe to their premium...

You can check your Experian Credit Score for free by sending Hi on WhatsApp Official Experian WhatsApp Contact Link below: https://wa.me/9920035444 *************************************** Another app which can give you regular insights of CIBIL and Experian score on a regular basis...

Credit mix discussion

For many of us, a good credit score is essential—it affects our ability to get loans, credit cards, and even financial security. But what happens when a financial institution fails to do its job, and you’re the one paying the price? This is exactly what happened to me when PayU Finance failed...

I currently have 10 unsecured credit cards and 1 personal loan, and my credit score has been in the range of 775-782 for the past year. Since all my existing credit accounts are unsecured, I was wondering if adding a secured credit card (FD-backed) to my portfolio would help improve my credit...

One of my friends had a SCB Landmarks reward card in 2019. Later that year, the card was discontinued and replaced with a different card (probably digismart) which he didn't activate because he misplaced the new card. He didn't try to get a replacement and considered the card closed. In 2022...

I am a Salaried Person 58k pm But My Credit score shows in Onescore 730 and Good Score 691 Its Downgrade even I don't have CC and Loan Neither Late Payment I have one 2 closed Loan and It there is no late payment * I applied for SBI Cashback Credit Card But Got Declined due to Internal...

Hi everyone, I’ve noticed some new updates on CIBIL’s official website, which I want to share with you all. Recently, CIBIL has changed its scoring algorithm. Now, the way CIBIL scores are updated has been modified. A score between 748-764 is now considered average. A score between 765-777...

Hi Everyone, I'm new to the credit card world. I tried to apply for a HDFC cc online...It showed me 3 cards but the card I wanted to apply was not there, So I came out of the process. Ater that I received a Sms that my Cibil score was checked. My question is if I try to apply for a card again...

Today morning received mail from ExperianCreditView that soft enquiry is done by Tata Neu app, I haven't requested any credit score enquiry and not even open tata neu app today. Should I be worried, Complaint anywhere? or it's normal?

Dear technofino Admin, i saw some old members post and they were crazy experienced and engaging but due to some reason there last seen is of more than 6 months ago. I request you to send them e mail and ask howz life going and why are inactive since long time. What's OG's doing ?

I check my Experian and CIBIL credit score on a monthly basis and I've found that for some reason my Experian credit score is way too low, it's 573 whereas CIBIL credit score is 780. Because of this reason, my application for Federal Bank Celestia CC was rejected due to very low Experian credit...

A credit score is a 3-digit number that predicts how likely someone is to repay their debts on time. It’s calculated using a mathematical formula that analyzes a person’s credit history, which includes information such as repayment history, total credit balance, number of loans and credit cards...

I have recently taken a home loan on which the uco bank has reported my cibil checking charges payment to be overdue of 1 day. This made my cibil score decrease by 24 points( 784 to 758). I did not received any sms or email from the bank or the Branch manager that it is overdue but now when i...

When I trying to get a Rupay UPI Credit Card, i wanted to explore Kiwi and it is but obvious they will need my PAN card and check my credit score, but whats making me curious that they mention it will not affect my credit score? It is another enquiry on my cibil right?

I have complaint against a loan company with RBI ombudsman for wrong reporting to credit information company. Also demanded compensation because even after multiple correction they again reported incorrect and this all is going for last one year. Loan company has once again corrected my credit...

If I use 80% of credit card limit and convert it to EMI will it affect my credit score?