Cibil dropped from 792 to 785 but didn't apply any card or loan. No notifications in Cibil too.

[LordPSN]

Hi guys
I checked my score in Cibil app 3 days ago. It dropped from 792 to 785.
I didn't apply for any new card or LE or loan.
The last hit from the CIBIL notifications I can see is of May.
The utilisation is 4% since January.
I took a no cost EMI which finished in June mid when the latest statement was generated.
Any idea why the sudden hit from 792 to 785?

 

[LordPSN]

@Wealth is my birth right! @TechnoFino

 

[PapaSierra]

Do you have an HDFC card?

They have recently started reporting credit limit and if you were using higher percentage of your limit then the score will drop.

 

[Wealth is my birth right!]

Hi guys
I checked my score in Cibil app 3 days ago. It dropped from 792 to 785.
I didn't apply for any new card or LE or loan.
The last hit from the CIBIL notifications I can see is of May.
The utilisation is 4% since January.
I took a no cost EMI which finished in June mid when the latest statement was generated.
Any idea why the sudden hit from 792 to 785?

Mostly will be for a couple of enquiries which could have happened with sbi or any such agents who have our copy data
Just guess only
To fully scrutiny u can get detailed subscription information from CIBIL if it’s that high concerning to u
FYI: Mine fluctuates between 780 and 802 always

 

[LordPSN]

Do you have an HDFC card?

They have recently started reporting credit limit and if you were using higher percentage of your limit then the score will drop.

My utilisation is always between 3 to 4%.
I thought that's good enough not to impact score

 

[vaibhav111]

Hi guys
I checked my score in Cibil app 3 days ago. It dropped from 792 to 785.
I didn't apply for any new card or LE or loan.
The last hit from the CIBIL notifications I can see is of May.
The utilisation is 4% since January.
I took a no cost EMI which finished in June mid when the latest statement was generated.
Any idea why the sudden hit from 792 to 785?

Try to check for full pdf report then will give you better idea why your cibil dropped.or check through gpay once a month. Or one score.

 

[Tosh]

Is a 7 point change really worth the headache. Just ignore it will bounce back.

 

[SSMV]

Mostly will be for a couple of enquiries which could have happened with sbi or any such agents who have our copy data
Just guess only
To fully scrutiny u can get detailed subscription information from CIBIL if it’s that high concerning to u
FYI: Mine fluctuates between 780 and 802 always

Same happened to me many credit card agents have enquired for cibil eben when i said i don't need credit card there are more than 100 enquiries from last 3 years and In that 50 enquires are by these fraud call agents

 

[LordPSN]

@vaibhav111 @Wealth is my birth right! @Shivashankar
I have yearly subscription of CIBIL. I checked full PDF and like I mentioned above, the last enquiry was in May. But that didn't changed CIBIL.
Suddenly (now) 4 days ago, CIBIL dropped. That's why I'm confused like why this happened..

 

[paresh22]

@vaibhav111 @Wealth is my birth right! @Shivashankar
I have yearly subscription of CIBIL. I checked full PDF and like I mentioned above, the last enquiry was in May. But that didn't changed CIBIL.
Suddenly (now) 4 days ago, CIBIL dropped. That's why I'm confused like why this happened..

I don't think you should look into only enquiries.You should also look like any account newly opened or closed. Check which account has received update to cibil recently and determine which that card be that might have caused cibil drop.

 

[ccgeek07]

@vaibhav111 @Wealth is my birth right! @Shivashankar
I have yearly subscription of CIBIL. I checked full PDF and like I mentioned above, the last enquiry was in May. But that didn't changed CIBIL.
Suddenly (now) 4 days ago, CIBIL dropped. That's why I'm confused like why this happened..

If you had your previous CIBIL Report, I would suggest you to compare both the old and new reports line by line. It might be possible there's something which is reported newly or mistakenly

 

[Wealth is my birth right!]

@vaibhav111 @Wealth is my birth right! @Shivashankar
I have yearly subscription of CIBIL. I checked full PDF and like I mentioned above, the last enquiry was in May. But that didn't changed CIBIL.
Suddenly (now) 4 days ago, CIBIL dropped. That's why I'm confused like why this happened..

Search if any bnpl have a hidden impact since those are easily activated from paytm or MobiKwik wallets sometimes erroneously also

 

[suhasa010]

Same happened to me many credit card agents have enquired for cibil eben when i said i don't need credit card there are more than 100 enquiries from last 3 years and In that 50 enquires are by these fraud call agents

Why did you give your PAN number to them though? 🤷‍♂️

 

[SSMV]

Why did you give your PAN number to them though? 🤷‍♂️

Why would I give ,they will only call and say my pan number is so and so and it's pre approved for credit card

 

[LJGIBBS]

Why would I give ,they will only call and say my pan number is so and so and it's pre approved for credit card

Whats your score now ?

 

[logu]

Do you have an HDFC card?

They have recently started reporting credit limit and if you were using higher percentage of your limit then the score will drop.

HDFC made my score drop from 780 to 771. When will it bounce back?

 

[SSMV]

Whats your score now ?

778

 

[SSMV]

HDFC made my score drop from 780 to 771. When will it bounce back?

In 1 week

 

[logu]

In 1 week

It's been more than 10 days, I've cleared all my dues in HDFC. No changes.

Usually when they report to CIBIL?

 

[LJGIBBS]

It's been more than 10 days, I've cleared all my dues in HDFC. No changes.

Usually when they report to CIBIL?

Next month 7-8th ke around mera update hota HDFC ka report