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Is perfect score possible??
- Thread starter Riya
- Start date
Solution
#aniket
TF Ace
Don't think so, it's impossible! 😑
No because of Bureaus Algorithm, variable credit age, CU, no. of enquiries, timely and duly payments.... and others...
Shubham Yadav
TF Legend
Against the popular opinion its is completely p[possible to reach 900/900
in your dream
in your dream
techt
TF Legend
Why bother mam ? Even in that case your cards get rejected.
#aniket
TF Ace
Itna bhi sach nahi bolna tha na jo koi biswas hi na karein 🤣Possible, Just achieved mine today.
Edited!🙃
Ak Singh
TF Premier
What is the maximum score can be achieved practically in cibil?
#aniket
TF Ace
I can't quote specific number, but it can be around 850, in my view.
Shubham Yadav
TF Legend
Piyush_Jaiswal
TF Ace
For Experian, I have seen scores as high as 895
I myself had an Experian Score of 890, which is 889 at present .
800+ is home loan ..
Without a doubt u can guess it 100%
Shubham Yadav
TF Legend
Piyush_Jaiswal
TF Ace
@Riya The score doesn't matter much after it crosses a certain threshold . Anything above 780 is good.
What matters more to the bank is what's inside the credit report, like the amount of credit limit you have from different banks, your credit utilization, the income you have, how much of loans you have taken, etc etc.
What they assess is your repayment capacity, that's it.
Even if you have a score of 752 but you already have cards with very high limit and low utilization, you are more likely to be approved for your next card rather than a person having a credit score of 895 but having low income and low credit limit.
What matters more to the bank is what's inside the credit report, like the amount of credit limit you have from different banks, your credit utilization, the income you have, how much of loans you have taken, etc etc.
What they assess is your repayment capacity, that's it.
Even if you have a score of 752 but you already have cards with very high limit and low utilization, you are more likely to be approved for your next card rather than a person having a credit score of 895 but having low income and low credit limit.
techt
TF Legend
For me till 7 months ago it was 800+ without any home loan. Now it is 790 +- 5, despite no anomaly in spending patterns.
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