CIBIL Score accessed by someone, how to check

How legit is the CIBIL score because I can clearly see it’s not up to date even in the latest report by GPay and credit card utilisation is lower than the current balance ( good for me lol) but I’m also worried this wrong info gets reported to banks. Anyways to check more precise scores for free? Or do I raise a complaint with CIBIL.

Hello folks. While I'd like to remain anonymous very much, here's what I can share about myself. 1. Working in consumer finance. 2. Love personal finance and helping people out with it. 3. Have published 10,000+ pieces of financial content in the mainstream media. 4. Wrote a best-selling book on money management. It was No. 1 on Amazon once upon a time. 5. Lately been appearing on TV regularly for personal finance discussions. 6. Saved like crazy through my 20s and 30s, brought two apartments; have an 8-figure net worth mostly thanks to my mutual fund investments. It's not much but it's hard-earned. 7. My unrealised aspiration is travel and I'm working on it now. No, I'm not selling anything. No commissions, no referral links, no finfluencing. Just want to talk, exchange ideas, and learn from you all. Maybe I'll feature you in my next book. :) Ask me anything.

First post :) Basically I want to figure out the best way to market a debit card for international spends. We're offering zero forex, unlike literally anyone else. Just need to make more people aware of this offering since it's a big selling point. What is your experience with DCs from an international spends POV? What can be done better there? Any hacks to get people talking about it? Open to ideas/thoughts/criticism/feedback!

I mean this is next level shit. I applied via LinkedIn, and the next day onwards I start receiving these messages. This is pure BS, how do I stop & report this? Any suggestions are welcome

What is your CIBIL Score and how many lines of credit due you have open currently? (loans + credit cards). My score is 787. With 5 active credit cards.

I'm 24 and haven't started using a credit card yet. I don't even have one. Am I going right or wrong??

Has any recruiter asked you to share PAN number before even scheduling interviews? I recently got a call from Physics Wallah recruiter and after exchanging common information she demanded PAN number to which at first I refused then told her I’ll share over email. I said that so that I could check if she is not a scammer. I also asked her why it is necessary? To which she provided generic BS(to put into portal, big companies also ask this). Verified from truecaller and linkedin that she is indeed genuine. But anyways I didn’t feel comfortable to share a sensitive government ID before even having interviews. I told her my reasons and she rudely said they won’t be able to proceed further and I said no problem! Request everyone to refrain from these practices otherwise this will become a norm. You don’t know in whose hand your ID will go and how and where they will store this info. Cut the BS and just say no.

In this month alone i got 3 new credit cards. Yes bank approached me saying there’s a pre-approved credit card, which will be the fourth one. This will be the fourth enquiry on my CIBIL this month, but none of them got rejected. Current score is 770+ and age of credit is almost 3y My understanding is having more credit limit will help keep Credit Card Usage index below 20-30%. Is this correct?

Its been like this since past 2 years

Before you reply - please know that I had disconnected my email a long, long time ago, deleted my account and the app is in another phone which has been off for a month so there’s no way they’re reading my messages. Started getting cc amount due messages a few weeks ago and I’m perplexed.