credit score

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.

I have previously generated my Experian score from Experian website https://consumer.experian.in/ECV-OLN/view/angular/index.html#/ Also from onescore app. But when I try to update my Experian score in may 2024 , Experian website is not showing any Experian score. Showing this error...

Is perfect credit score possible? 900/900 types If YES then how?? If NO then why??

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

Checking my credit score on One Score app Whereas I got perfect or excellent remark parameter in other parameters, but in credit utilisation it's showing Good not excellent or perfect Pls suggest how to be perfect excellent

Hello Technofino Community, I'm facing an issue with a car loan EMI payment with Punjab National Bank that I'm hoping to get some advice on. In April 2023, I paid my EMI using the CheQ payment app, but there was a glitch and the payment didn't go through. I didn't realize this until later and...

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...

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...

I used my single free CIBIL report way back in April and now have a lot of incorrect entries, which include a duplicate loan, an unknown loan, and multiple closed loans/credit lines. Is there anyway I can fix these for free, if not how can I buy the cheapest CIBIL Premium?

Hi, In CIBIL, in the enquiries section we only see a one liner info about the hard enquiry made by the bank Eg <date> <bank_name> <enquiry_type> Likewise in Experian Bureau the same info is shown but with a little more details like purpose, query amount etc. I had a few questions related to...

Hi, I am aware and there are many different apps and platforms for to check our credit score (talking about CIBIL bureau only) every month for free. But on all the apps wherever I have checked for eg. Onescore, Gpay, airtel, amazon etc., they only provide the cibil report in view only format...

I have a fd backed one card. I got this in May 2023 and statement got generated in May itself, and as of now there are 5 statements generated including September. I want to know what is the good time to fetch the credit score for the first time and where should I check it for the first time...

Having logged into my CIBIL dashboard, I was surprised to see the refreshed & the new look. The archaic look has been refreshed with a brand new & a crisp looking UI. Practicality and new features have been added now. Now all the "Active" accounts are clubbed together at the top of the account...

Hi all, Is there anyway to remove legitimate hard enquiries made by banks to cibil? I wish to suppress them wihout waiting for the 3 month cooling period so I can apply for credit cards immediately. I have 12 enquiries past 3 months which is affecting all applications. Can I email ECN to...

Do all banks use only TransUnion CIBIL for credit score check? Are credit scores of Bureaus like Equifax & Experian not being used by any Indian Banks for hard / soft enquiry? @TechnoFino

I have been seeing many posts in which people are concerned about having one additional hard inquiry in their CIBIL report. But is it really something I should be fretting about? Now, I understand if you have more inquiries, especially in a short period of time, it shows you as a credit-hungry...

Long story short - SBI had made a mistake in their reporting to credit bureaus (see this thread), stating that I made a late payment on a loan I took. I've been fighting with them for 6 months and it looks like it'll finally be corrected on the CIBIL report (had to escalate all the way to RBI...

I usually don't track my CIBIL score, but on January '23 I found out by chance that SBI had reported incorrectly that I made a late payment on an educational loan I took in December '22. They had done the same a few years back but my credit score had recovered by December '22. When it happened...

Hello There, I recently got my first credit card with no other credit account and hence no history as well as score. My question is how much should be spending to build a good credit score. I saw a post of credit score on the forum according to which spend between 1 to 9% of total credit limit...