What is your 💳 score?

[Credit Karma]

Share your credit score along with number of years since your first account opened (doesn't matter if it is closed currently)

Update March 2023

CIBIL - 738
Experian - 802
Equifax - 702
CRIF - 560

Credit History - 1.75 Years

 

[Rocky Bhai]

Currently 773 cibil with 5 cc

 

[Lord Of Darkness]

Just Curious.. why nobody has Cibil in 800+ ?

My score is 800+ (808 to be precise)
I do think there are ppl with 800+ score.

 

[Avijeet]

Just Curious.. why nobody has Cibil in 800+ ?

802 .. dropped to 800

 

[b4badri]

Cibil - 788
Experian - 862
CIRF - 784
Equifax - 753

Oldest credit card - 4 years

Credit cards -3
Home Loan
Auto Loan (Closed)

 

[Credit Karma]

After ignoring for 2.5 months my current stats -

CIBIL -760
Experian -820
CRIF -720
Equifax -732

Funny thing is all of them have a one day late payment in them 😄

 

[prashantpillai]

Cibil 793

 

[starstruck]

CIBIL 777

 

[Rocky Bhai]

780 t0 791 after hdfc reporting og limit on cc

 

[BeingIncog]

cibil : 784
experian : 842
eqifax : 755
crif : 704

 

[Survivor35]

guys here's my current status.

 

[Credit Karma]

After ignoring for 2.5 months my current stats -

CIBIL -760
Experian -820
CRIF -720
Equifax -732

Funny thing is all of them have a one day late payment in them 😄

Got that one day late payment removed from all bureas. Current scores are

CIBIl -768
Experian - 808
CRIF -714
Equifax - 730

So far so good, isn't it? 😊

 

[COSMOCRAT]

CIbil - 775
Experian - 882

 

[sachinvenga]

Finally crossed the 800 mark. Joined this community in Jan 23 and somewhat enlightened.
Closed my 10 year old account with SBI as they are not reporting my card payments for almost one year. Added 13 new cards. Cibil subscription helped me a lot to understand many thinks.

 

[sachinvenga]

Is there anyone with a 800+ CIBIL score and NOT having any active home/car loan ?
Reading all the above comments concludes that only people having an active home loan have a score of 800+, rest all are capped to max 795 or so...

Yes I am, Don’t have home / car loan & my score is 803.

 

[BlueFlash]

Yes I am, Don’t have home / car loan & my score is 803.

May I know what all type of credit accounts (including both active and closed) are there in your report ? I mean apart from unsecured credit card, you must be having something extra, like some secured credit card, or any consumer/unsecured/secured loans, even if they are closed. Will help us get more insights.
I have an exact 800 cibil with only and only unsecured credit cards, and I firmly believe that it's not possible to cross this mark, w/o any different type of credit type.

 

[sachinvenga]

May I know what all type of credit accounts (including both active and closed) are there in your report ? I mean apart from unsecured credit card, you must be having something extra, like some secured credit card, or any consumer/unsecured/secured loans, even if they are closed. Will help us get more insights.
I have an exact 800 cibil with only and only unsecured credit cards, and I firmly believe that it's not possible to cross this mark, w/o any different type of credit type.

1 secured loan account closed in 2016, 1 secured card closed in 2017, Car loan closed in 2020. Oldest card account ( 10 years old ) closed 3 months ago. Zero late payment in 11 years of credit history. Today 13 unsecured cards active. No other loan/card. Total 12 enquiry in Cibil record.

I think age of credit history, total number of payments to late payments( if any) ratio, pre payments, number of enquiry’s, credit utilisation ratio these factors play major role. To understand Cibil subscription helped me a lot.

 

[RaviAgl]

1 secured loan account closed in 2016, 1 secured card closed in 2017, Car loan closed in 2020. Oldest card account ( 10 years old ) closed 3 months ago. Zero late payment in 11 years of credit history. Today 13 unsecured cards active. No other loan/card. Total 12 enquiry in Cibil record.

I think age of credit history, total number of payments to late payments( if any) ratio, pre payments, number of enquiry’s, credit utilisation ratio these factors play major role. To understand Cibil subscription helped me a lot.

Then the cibil score will probably go down in the future.

 

[BlueFlash]

1 secured loan account closed in 2016, 1 secured card closed in 2017, Car loan closed in 2020. Oldest card account ( 10 years old ) closed 3 months ago. Zero late payment in 11 years of credit history. Today 13 unsecured cards active. No other loan/card. Total 12 enquiry in Cibil record.

I think age of credit history, total number of payments to late payments( if any) ratio, pre payments, number of enquiry’s, credit utilisation ratio these factors play major role. To understand Cibil subscription helped me a lot.

Ah, so you see, it's your secured loans what's boosting the score beyond 800.

 

[pothi]

CIBIL is at 792 as of this writing with just 2 cards. 10 years of credit history. I had a maximum score of 796 for a few months this year. Dropped to 792 after 7 enquiries last / this month. 🤓🤓🤓

Got the third card last month. But, it hasn’t been updated to CIBIL, yet.

No other loans.

I haven’t checked with other credit agencies. Is there any advantage in checking with others such as Experian?

 

[Sourabh_13]

CIBIL: 779
Experian: 757
CRIF: 778
Equifax: 694

6 Unsecured CCs, 1 Secured CC (I got it just last month. The scores don't reflect it.), 2 Credit Lines
Credit Age: 2.25 Years
No of Credit Enquiries: 10
No late payments.

My Equifax score has never reached even 700. I wonder what is missing.