Highest CIBIL score

[2024]

Who has highest CIBIL score

 

[Deleted member 8482]

My Cibil: 784
Number of CC: 10(all procured after December 2022)
Number of Enquiries:22 In Last 5 Months
Credit Age: 12 Years

 

[srikant]

Here I was worried that if I go above 3-4 inquiries then my score will crash below 700. Guess I can push a little bit more 😂

In general, there seems to be a limit to which new inquiries can affect - I think 10%. Which is 10% of 600 (900 minus 300) = 60. If you ACE timely payments, utilization, credit age and mix, you can get 840 (900 minus 60) even if you apply for a few loans every day.

I'll pull my report early June and share. Got a PNB Platinum RuPay Mar-Apr, IDFC - got pre-approved Classic (opted Millenia) and those [insert insult] refused WoW - both in Apr, then an ICICI Platinum and Kotak Urbane this very week!

 

[Walter White]

CIBIL: 802
CC: 11
Enquiries: 8 in the past year
Credit History: 4 years

 

[plastikman]

CIBIL - 791
Experian - 855
Enquiries last year - 2 (AU and stupid IDFC for LE)
Total accounts - 14
Credit History - 11 years

 

[rohitsinha]

800(current and highest) with 1 active loan. 4 CC

 

[jyothisaiswaroop]

Who has highest CIBIL score

796

 

[guptarohan]

My CIBIL score is 804. Age of oldest account is 13 years. I have a total of 34 Active accounts (mostly credit cards) and 11 closed accounts. Enquiries - 3 in the last month

 

[srikant]

In general, there seems to be a limit to which new inquiries can affect - I think 10%. Which is 10% of 600 (900 minus 300) = 60. If you ACE timely payments, utilization, credit age and mix, you can get 840 (900 minus 60) even if you apply for a few loans every day.

I'll pull my report early June and share. Got a PNB Platinum RuPay Mar-Apr, IDFC - got pre-approved Classic (opted Millenia) and those [insert insult] refused WoW - both in Apr, then an ICICI Platinum and Kotak Urbane this very week!

My CIBIL login account is messed up at present, but checked up on WishFin -- it says 805. I have recent inquiries, and new accounts, so is generally OK.

 

[tnk]

801 high to 789 because of 5 hard enquiries in the last month
Then 785 cos of hdfc Credit limit reflection in cibil

 

[gautamcool]

My Cibil: 755
Number of CC: 5
Number of Enquiries: 8 In Last 1.5 months

I had only 1 credit card and cibil score around 775 till April 2023 before joining here 😂

 

[rahulsethi]

Highest CIBIL was 795 now floating at 786.
Experian at 804.
Enquiries last 3 year ~ 50 most of them in last 6 months. 😂
Hold 25+ active Credit cards 1 Charge card 6+ Credit lines and paylater accounts 1 Education loan 1 Car loan and 1 now closed housing loan.
Credit history of 11 years
Now facing challenge with Stan C and Federal bank CC approvals owing to high no of recent enquiries.
Also got many LTF cards rejected though got super premium ones very easy like Amex charge, Axis Magnus, Air Vistara etc while got cards like Airtel Axis and Indian oil axis rejected.

 

[srikant]

801 high to 789 because of 5 hard enquiries in the last month
Then 785 cos of hdfc Credit limit reflection in cibil

Unless you overused (or HDFC reduced your credit limit at some point), the score should go up because HDFC started reporting the credit limit, right?

 

[srikant]

My CIBIL login account is messed up at present, but checked up on WishFin -- it says 805. I have recent inquiries, and new accounts, so is generally OK.

I got the CIBIL login sorted out -- it is indeed 805

 

[aniruddhaadhe]

Current CIBIL: 804
Floats in 795-812
1 home loan, 5 CCs, 1 PL
multiple home loans, PLs, CCs closed.
History: 12 years

Target: 850+
But never seen anyone got this high from official CIBIL.

 

[sbihdfckotak]

Cibil score - 775
CC - 8
2 Loans
Enquiry in last three years - 45
Credit history age - 12 yers

 

[sauchadh]

My Cibil: 802
Number of CC: 9
Number of Enquiries: 8 In Last 1.5 Years
Credit Age: 11 years

 

[tnk]

Unless you overused (or HDFC reduced your credit limit at some point), the score should go up because HDFC started reporting the credit limit, right?

My bad.Its a typo Cibil increased to 795 not 785 Credit utilization is always below 10% on 9.5L limit

 

[Heisenberg37]

Highest CIBIL was 795 now floating at 786.
Experian at 804.
Enquiries last 3 year ~ 50 most of them in last 6 months. 😂
Hold 25+ active Credit cards 1 Charge card 6+ Credit lines and paylater accounts 1 Education loan 1 Car loan and 1 now closed housing loan.
Credit history of 11 years
Now facing challenge with Stan C and Federal bank CC approvals owing to high no of recent enquiries.
Also got many LTF cards rejected though got super premium ones very easy like Amex charge, Axis Magnus, Air Vistara etc while got cards like Airtel Axis and Indian oil axis rejected.

i have cibil 765
age 1 year
enquires 34
does these enquires completely vanish after 3 years?
assuming i stop hitting enquires will it show 0 after 3-4 years

 

[Heisenberg37]

CIBIL: 772
No. of CC: 7
Credit age: 3 years
Number of enquiries: 40 in last 3 years

does your cibil account show all time enquires?
or only the number of enquires in the past three years?

 

[rahulsethi]

Th

i have cibil 765
age 1 year
enquires 34
does these enquires completely vanish after 3 years?
assuming i stop hitting enquires will it show 0 after 3-4 years

That is right