cibil score

Hii, my CIBIL score is 705, I have 2 active account (Emi are getting paid on time), 3 additional loan account, loan repaid for those 3 also on time, out of this 3 , one account is reported in Cibil and marked as closed, but he other two not yet reported in Cibil as of now. (Will be also reported...

Dear sir/mam I took a loan from one company on 24-03-2025, for amount of Rs 4081, including interest the repayment I did is 5166 Rs, there was 2 emi one was on 06 April 25, and the other was at 20 April 25, however I have repaid all loans on 06 April without delay. Now they have marked this...

I bought a phone through Home Credit to improve my CIBIL score. My CIBIL score has now reached 753 after successfully paying 6 EMIs on time. Now, only 1 EMI is left. Once I pay the 7th EMI and the loan is completed, will my CIBIL score decrease or remain stable? If it’s going to decrease...

Isn't ICICI supposed to report the credit utilisation on bill generation date? I paid all the bill but 2.5K a day before bill generation and yet my utilisation was reported on 15th and was over 30%! Am I missing some info?

I basically joined for Credit card and Cibil community. 20/M Student @HisabiKitabiG on X/Insta Credit cards ICICI FD Platinum IDFC Wow AU SFB NOMO HDFC Pixel (my sister) unsecured limit 75K

Is home loan also included in credit utilisation, I had a home loan and obviously I had disbursed 100% amount, now in my CIBIL report it's showing as 100% credit utilised which is adversely impacting my credit score what to do???

For example - I have 3 credit cards with total 3.75 lakhs limit each with 1.25. Now if i use for buying product of 1.25 lakhs on EMI by any 1 card how does the credit utilization ratio calculated ? Does it affect cibil score ? If yes Is there any other way ?

Recently, I got a RuPay-based credit card. Earlier, I used to pay for utility bills and some online purchases through Amazon Pay Later. In the OneScore application, I received a prompt suggesting that I close risky accounts with the lowest balance, i.e., Amazon Pay Later, to improve my credit...

I have some credit lines like UNI PAYCHECK, Simple, lazypay. This credit lines are showing in my cibil report as a loan. Will this affect if I go to apply any loan in future? Like my loan application will reject because of this?

Dear Bekifaayati member, in my cibil scroe my name is mismatch, what should i do. when i check my cibil score in airtel thanks app then i received a mail from airtel finance in my register mail id. i always check my cibil score regularly all inquiry is perfect only two things are mismatch 1. my...

Currently I am using paisa bazar where I can see all type report of credit score. So can you suggest me best app for check cibil score.

I have 3 credit card ( 2 unsecured and 1 secured) And I have 3 loans ( 1 personal and 2 consumer loan) If I forclose this 3 loans now any negative impact on my cibil

Hi guys, I had 12 credit inquiries over the past 3 years. Does an increase in inquiries affect my credit score/CIBIL score?

Same as title

Hello all Recently I Applied for CREDIT CARD and approved also they generate my CIBIL statement on CRIF cibil Can I change this or not if not So this credit card affect other cibil bureaus like cibil pr not

Hello guys, I have a question, I had a gold loan which got written off (amount 13k), totally my mistake, now when I contacted the lender to pay off the balance they said they don't have any record of it as it is 5 yrs old. It does reflect on my cibil. Presently my cibil is 749 I use 4 credit...

I have no Cibil Score till July as I haven't taken any loan in last. But due to this my credit card application was not accepted by any bank so I applied for a secured credit card so that my credit score is generated. Initially it gets generated to 745 by now its dropped to 723 even i had paid...

Hello Bekifaayatians, In 2019, I was a diligent credit card user with a Standard Chartered Bank (SCB) credit card. I consistently made timely payments and had a spotless payment history. However, a fraudulent transaction occurred on my card, leading me to immediately report it to SCB's customer...

Hey, I recently got my first credit card from IDFC Bank without any Cibil score, which is yet to be delivered. And today an IDFC representative called me for a pre-approved IDFC Power+ card (500 Rs annual charges with 500 cashback). So my question is, should I go for a second card so that it...

Hello everyone i am using a credit card on which i pay the bill on the date when the bill is generated but i dont know why still my credit score is dropping down and see my spending is like below 30% of limit of my credit card but in the last month when my bill was generated i paid on the same...