Mallikarjun Barika
KF Rookie
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
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
