🚀 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, @MilesMinter
803 - @Jatayu
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.

 

[iamdhamo]

@SJM does applying for add on card helps them building a credit score if they don't have credit history and not salaried ?

 

[desiviru]

@SJM does applying for add on card helps them building a credit score if they don't have credit history and not salaried ?

Add-On card holder usage is reported under primary holder's card only and also the repayments. So answer is, no. Being just a add-on card holder doesn't create a credit history for you.

Your credit history starts only when a CC or a loan or any kind of credit is taken under a person's name.

 

[SJM]

@SJM does applying for add on card helps them building a credit score if they don't have credit history and not salaried ?

No. You will get a CIBIL report showing you as an authorized user but it won't help build a score.

 

[siddiqsd24]

View attachment 100344

Entered into 800 club finally.

In which app you taken this report

 

[Jatayu]

In which app you taken this report

Gpay. There are other apps as well for free Cibil. Cred, Paisabazaar, Navi, Wishfin & Onescore all refreshes monthly w/o spam I guess. Amazon also shows but don't refresh monthly. Lastly Cibil website also shows but once a year for free.

Paytm Phonepe etc type many other apps also there but they don't show Cibil only Experian or Crif.

 

[Adith]

This is my dad's. His oldest loan/card is from 1999 I think .

 

[hender]

This is my dad's. His oldest loan/card is from 1999 I think .


View attachment 100543

It's HL ? Closed or Active?

 

[Adith]

It's HL ? Closed or Active?

It's a credit card from citi bank. Closed.

He routinely takes gold loan, pays it off and then closes it. Has closed everything except one active gold loan now.