Cibil score is stuck at 736

[ah123]

Hi
My cibil score is stuck at 736 for the past three months.its neither going up nor going down.can anyone please tell me why is this happening

 

[shashwat]

This is quite less to go on. Can you please tell us a little more about how your credit report looks? Do you have any loans or cards? What is the starting date of your oldest loan/card. Have you ever defaulted on any payment? What is your credit card utilisation like?

I use moneyview's free credit tracker tool. It has all these things in it, if you can't find them wherever you're checking your score.

 

[ah123]

Hi shahwat
I have two credit card.one is 10 months old all the payment on time one I got it recently.
I have nine credit inquiries in the past three months.
I have one loan against FD.(BUT the balance is 0 as I have already paid it)
I have one Bajaj emi loan .

All the payments on time .I just kept taking loan because I wanted to increase cibil .I don't have any money related issue for now.

 

[ah123]

I have always kept my utilisation ratio <25%

 

[17ysaurabh]

Hi shahwat
I have two credit card.one is 10 months old all the payment on time one I got it recently.
I have nine credit inquiries in the past three months.
I have one loan against FD.(BUT the balance is 0 as I have already paid it)
I have one Bajaj emi loan .

All the payments on time .I just kept taking loan because I wanted to increase cibil .I don't have any money related issue for now.

You have nine credit inquiries in the last 3 months.
You should be glad that your credit score is not decreasing.

Tip:
I would suggest stop applying for new loans for 1-2 months. Your score will automatically increase.

 

[imboy]

Please do not make new enquiries for six month for improvement in your cibil.

 

[isandeep]

Try to reduce your cibil enquiries and with time as your credit history gets older your cibil will increase with it