🚀 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]

Let's not discuss politics.
I just made a point about cibil organization..I don't even know about this guy's backgrounds details. for me the point is, this topic was discussed in the parliament ..that's all

But what he said is not true. We can see if payments are updated or not and raise grievance as well.

 

[hender]

Not insecure, but I was serious. I don't like people who are not truthful and honest. I didn't know you were joking.

It took less than 5 sec. Lens is now integrated with chrome 😀

"James Bond 007, now in Chrome."

 

[2025]

My Cibil >>> 784 (26-Mar-2025)

Set-up
Zero secured loan
All unsecured loans & CC
Enquiry (36m): ~44
Total outstanding liability: ~40L
CC utilization: 33% - 55%
Average age (active act.): 1.5 Years

I think my score will topple everyone's here after a few months.
Will wait for my name to appear in the leaderboard.

 

[CyberPsych]

I think my score will topple everyone's here after a few months.

How are you sure?

 

[noobdipesh]

Not insecure, but I was serious. I don't like people who are not truthful and honest. I didn't know you were joking.

It took less than 5 sec. Lens is now integrated with chrome 😀

Don't worry; I won't be dishonest and untruthful for being number one on a list of a community. D₹V is my good friend and had done an April Fool's prank (though I caught him) at midnight.

I had tried to DM you after seeing your comment but you have turned it off.

 

[palen]

I was at 805 and last month had 2 inquries (IDFC and YES bank). The score dropped by -13 and now at 792.

 

[Nishan11]

Cibil 795...


All unsecured credit cards.

No loans or EMI.

Overall Credit utilization 1%

Not chasing 800 as I don't need any loan now or in future, will not take just to boost score.

And I assume this score is sufficient for any credit card in India along with good ITR/Salary.

 

[SJM]

My Cibil >>> 784 (26-Mar-2025)

Set-up
Zero secured loan
All unsecured loans & CC
Enquiry (36m): ~44
Total outstanding liability: ~40L
CC utilization: 33% - 55%
Average age (active act.): 1.5 Years

I think my score will topple everyone's here after a few months.
Will wait for my name to appear in the leaderboard.

40L outstanding in CC and unsecured loans???

 

[2025]

40L outstanding in CC and unsecured loans???

Y e s. That's on cibil.
Outside cibil at least 10L more.
-----
@CyberPsych Not sure. Just a guess. After a brief calculation of reduction of liability, utilisation, increasing age, addition of secured credit facilities, etc.

I think gpay provide some estimates. I have to check that again. 😀😀

 

[HellsFury]

This is from last month.

 

[2025]

This is from last month.

View attachment 88971

🥇 Medal for u. @sjmajumder

 

[Credit_Cards]

View attachment 88902


saw this on internet
i did not think this is even possible in any bureau

Zordaar . .

 

[percolate]

806 this month. Reduced credit utization by 8%

 

[SSV]

After a few months,
back to 800 again ,
with only CC accounts, no other loan accounts with 6.9 years history…

 

[Hemang]

After a few months,
back to 800 again ,
with only CC accounts, no other loan accounts with 6.9 years history…

View attachment 99805

Sir u have 36 active credit cards ?

 

[SSV]

Sir u have 36 active credit cards ?

22 active cards and.14 closed accounts

 

[SJM]

22 active cards and.14 closed accounts




View attachment 99815


View attachment 99816

I have 29 active credit cards (actually more) as per CIBIL due to merged accounts like ICICI

 

[hender]

I have 29 active credit cards (actually more) as per CIBIL due to merged accounts like ICICI

View attachment 99831View attachment 99832

29 CC+6 Loans, 35 is the score ?

 

[2025]

22 active cards and.14 closed accounts




View attachment 99815


View attachment 99816

I have 29 credit cards (actually more) as per CIBIL due to merged accounts like ICICI

So, in general, more credit cards helps to increase credit score. (Obviously if we pay dues on time).
------
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.

 

[SJM]

29 CC+6 Loans, 35 is the score ?

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