Time to build credit score from zero to 900

[sojupatil]

How much time is expected to build cibil score from 0 to max possible if payments are done regularly, 30% utilisation.

 

[Skylar]

How much time is expected to build cibil score from 0 to max possible if payments are done regularly, 30% utilisation.

No matter what you do 900 is impossible.

 

[sojupatil]

No matter what you do 900 is impossible.

I mean near to that even above 750 is fine

 

[Skylar]

I mean near to that even above 750 is fine

Do payments on time that's enough, occasionally crossing utilisation ration more than 30% won't affect much but if repeatedly done then its problem.

 

[sojupatil]

Do payments on time that's enough, occasionally crossing utilisation ration more than 30% won't affect much but if repeatedly done then its problem.

Bro time I asked for time , how much can I expect

 

[Bharatiya Nagrik]

Bro time I asked for time , how much can I expect

To get a stable score above 750 I think it will take around 6 to 9 months.

 

[sojupatil]

To get a stable score above 750 I think it will take around 6 to 9 months.

K thanks

 

[Skylar]

Bro time I asked for time , how much can I expect

Now report is getting updated faster you can expect anywhere between 60 to 180 days to get the score.

 

[Skylar]

I have 10 credit cards, 3 closed, 14 enquires and 5 years of credit history
Credit score - 792

Enquires in last 3 months - 4
New cards in last 3 months - 4

 

[sojupatil]

My secured credit card I got on 1st May and it is not updated in cibil yet , when will it?

 

[Bharatiya Nagrik]

My secured credit card I got on 1st May and it is not updated in cibil yet , when will it?

It has just been 7 days so atleast give it 2 months to be displayed in CIBIL.

 

[Skylar]

My secured credit card I got on 1st May and it is not updated in cibil yet , when will it?

which bank?

 

[zacobite]

Bro time I asked for time , how much can I expect

2-3 years. basis cards / lmits / payment history

 

[dilipmunde]

6 months

 

[MAJIDUR58]

If you not take any secure loan 800 is impossible.
My CIBIL score is 781.
My suggestion is avoid by now pay letter. If you know approval chances high then take all free credit card.

 

[Skylar]

If you not take any secure loan 800 is impossible.
My CIBIL score is 781.
My suggestion is avoid by now pay letter. If you know approval chances high then take all free credit card.

Hey no secure loan here, only 10CC's and my score is 792
Just one more month it could be 802 as simulator shown on CIBIL TU app.

 

[Prateek.cnb78]

If you not take any secure loan 800 is impossible.
My CIBIL score is 781.
My suggestion is avoid by now pay letter. If you know approval chances high then take all free credit card.

I agree. Taking free cards and ensuring on-time payments. Not taking much of hard enqueries can help you climb up the Cibil Score quick.

Additionally, it will be awesome if you can get limit enhancement offers as well. You can show them the payslip and ask for limit enhancement offers.



Still, CIBIL 800+ seems like a dream. I have been stuck at 792 for the last 6 months.