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

 

[dav33]

what's your credit history ?

8 years now

 

[kunaljn91]

789 CIBIL!
13 CCs!
History 6 Years!

 

[SunnyM]

I have 19 Credit Cards (including 1 secured), 31 Inquires, Zero Open Loan, No Payment Default payment in last 3 years and My Cibil Score is 791.



Let's Compare, What is your Cibil Score? How many Credit card you own?

Which one is the fd card ?

 

[akshayhs]

CIBIL - 780
Experian - 813
CRIF - 723
Credit history of 1yr for the oldest accounts.

2 CCs: OneCard (Federal) and SBI (SimplyClick).
1 active loan EMI account (5 more months to mature).
2 closed loan accounts from Slice.

 

[CardWale_Baba]

Which one is the fd card ?

ICICI

 

[Credit Karma]

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

My score is certainly not brag - worthy as there are multiple wrong entries in my report. I'm working towards their removal.

Hopefully in upcoming days I may be able to BRAG about them 😜

I have -
CIBIL - 706
Experian - 794
Equifax - 702
CRIF - 592

My first account opened on Jan 2018.

CIBIL has increased by 14 points to 720 ☺️

 

[TheMentalist]

CIBIL has increased by 14 points to 720 ☺️

which app is this?

 

[prc1990]

which app is this?

OneScore.

 

[Rashya]

CIBIL has increased by 14 points to 720 ☺️

Which all cards do you have ?

 

[rjsudeep]

Yes.. The payments missed in the current year ( March-22) and reported in CIBIL from May onwards. However, I got cards approved afterwards (few rejected like IndusInd)

Ouch! That is going to take a super long time to clear

 

[Credit Karma]

Ouch! That is going to take a super long time to clear

It won't fall off of credit report. All you need is more on time payments and it will have lesser impact as time passes.

 

[Digvijay]

It won't fall off of credit report. All you need is more on time payments and it will have lesser impact as time passes.

Indeed! Total payment made on time improves score considerably. My score increased by 62 in the last two months after clearing all dues at once.

 

[vaibhav111]

CIBIL - 791
Experian - 824
Equifax - how to check this score?
CRIF - 774

total cc 10, all unsecure card have cancelled 1 rbl supercard, oldest card 7 year 8 month old

 

[prc1990]

CIBIL - 791
Experian - 824
Equifax - how to check this score?
CRIF - 774

total cc 10, all unsecure card have cancelled 1 rbl supercard, oldest card 7 year 8 month old

EQUIFAX you can check on PaisaBazar.

 

[ashwink]

Equifax - how to check this score?

Find here 👇

Platforms to check Credit Score for free

If you don't wanna spend some ₹1k per annum on CIBIL membership (Which has it's own advantages ) ,then here are a few Options to keep you updated on your Credit Profile for FREE : OneScore - CIBIL + Experian (Once a Month)...

www.technofino.in

 

[rjsudeep]

It won't fall off of credit report. All you need is more on time payments and it will have lesser impact as time passes.

Are you sure about that? As I had two missed payments, got cleared off in 5 years. Now it shows all payments on time.

Indeed! Total payment made on time improves score considerably. My score increased by 62 in the last two months after clearing all dues at once.

I generally clear all my payments in one shot. Have a pretty decent score, so haven't seem a major jump as such.

 

[Credit Karma]

Are you sure about that? As I had two missed payments, got cleared off in 5 years. Now it shows all payments on time.


I generally clear all my payments in one shot. Have a pretty decent score, so haven't seem a major jump as such.

Yes, those late payments will always be there. But as CIBIL and other bureaus consider only last and latest 36 months of payments history, that is why you are seeing all payments are on time.

Also if you raise a dispute through CIBIL grievance portal and ask them to update your payments history, in their reply they will give you all the payments made by you late or otherwise since the opening of account.

 

[rjsudeep]

Yes, those late payments will always be there. But as CIBIL and other bureaus consider only last and latest 36 months of payments history, that is why you are seeing all payments are on time.

Also if you raise a dispute through CIBIL grievance portal and ask them to update your payments history, in their reply they will give you all the payments made by you late or otherwise since the opening of account.

Oh okay, did not know that. I mean I knew it would still be in the records, but didn't think any bank would be able to access it or would be concerned about it while issuing a new card.

 

[Digvijay]

Are you sure about that? As I had two missed payments, got cleared off in 5 years. Now it shows all payments on time.


I generally clear all my payments in one shot. Have a pretty decent score, so haven't seem a major jump as such.

Got to do with credit mix. I have secured and unsecured accounts. I have recently closed two credit card accounts. That boosted the score.

 

[Credit Karma]

Got to do with credit mix. I have secured and unsecured accounts. I have recently closed two credit card accounts. That boosted the score.

Yes, bureaus often given high weightage to recent activities. The more positive recent activities higher the score will be!