CIBIL Score Not Showing Despite Active Credit Cards – Need Clarification

[Mallikarjun Barika]

Hello everyone

I’m facing a strange issue with CIBIL and need guidance.
CIBIL website shows “NH / No Score” with reasons like no credit activity / only add-on cards, which is not true in my case.
I actively use 4 credit cards (including 1 secured card) every month and pay all dues on time.
Recent bureau scores:
Experian: 816
Equifax: 855
CRIF High Mark: 778
My cards are reporting correctly to other bureaus.
No missed payments, no inactivity, regular statements generated and paid.
Questions:
Why would CIBIL show no score when other bureaus clearly show active credit history?
Is this a reporting/mapping issue from card issuers to CIBIL?
What’s the correct way to get this fixed — dispute, issuer escalation, or CIBIL grievance?

Any insights or similar experiences would really help. Thanks

 

[Prateek.cnb78]

How long have you been using the credit card??
Usually Cibil takes 5-6 months

 

[Mallikarjun Barika]

I have been using credit cards from more than 4-5 years

 

[Mallikarjun Barika]

Cibil website was showing 726 from Jan 2025 to dec
31st 2025, during this time it's not reflected any changes that happened thought the year, when I refreshed for new free report for 2026 it showing as NH score

 

[sherin.real1]

Cibil website was showing 726 from Jan 2025 to dec
31st 2025, during this time it's not reflected any changes that happened thought the year, when I refreshed for new free report for 2026 it showing as NH score

Try contacting Cibil Support Team. You can find their number on their website. It takes longer to connect but generally they help.

 

[Prateek.cnb78]

I have been using credit cards from more than 4-5 years

Certainly very weird. You should definitely report the same to Cibil

 

[Mallikarjun Barika]

By speaking with bank i found out that its issue with name difference, i only have single name, but while applying for credit card axis and icic forced me to give second name and then they updated my single name and second name same,

Please help to resolve this.

 

[shivtej]

This happened to me as well. For this you need to e-mail both bank and credit bureaus to update your name properly. It is better to provide a id proof and ask them to update the name correctly as per that id proof. That's what I did and then my score started to show up

 

[Mallikarjun Barika]

This happened to me as well. For this you need to e-mail both bank and credit bureaus to update your name properly. It is better to provide a id proof and ask them to update the name correctly as per that id proof. That's what I did and then my score started to show up

Thank you

 

[Mallikarjun Barika]

This happened to me as well. For this you need to e-mail both bank and credit bureaus to update your name properly. It is better to provide a id proof and ask them to update the name correctly as per that id proof. That's what I did and then my score started to show up

Generally How long will it take both of them to complete this and to show my score properly?

 

[shivtej]

Generally How long will it take both of them to complete this and to show my score properly?

I don't exactly remember. But when I received a confirmation that it has been updated and after a few days I checked my score and it was updated. It should take 4-5 days

 

[nightcode]

How long have you been using the credit card??
Usually Cibil takes 5-6 months

That's not the case anymore as now as after every 15-20 days banks have to report to credit agencies. What you are telling is approx. more than a year old information. And if you really faced this issue in the past 6 months then really you can complaint to your bank regarding this.

 

[sherin.real1]

That's not the case anymore as now as after every 15-20 days banks have to report to credit agencies. What you are telling is approx. more than a year old information. And if you really faced this issue in the past 6 months then really you can complaint to your bank regarding this.

Yes exactly. My wife dint had any credit history. She took a Kotak 811 Secured Credit Card which was delivered on 17 Dec 2025 and Bill Generated on 26th Dec 2025. The Bill was paid on the same day. I refreshed her OneScore app on 1st Jan 2026 and her first CIBIL score of 762 is generated. Though Experian is not yet generated as Experian is slower compared to CIBIL.