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...

Welcome to Personal Finance's Private Community

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.

CIBIL Score

Software Engineer

CIBIL Score- Grapevine

Woke up to mail that CIBIL score was updated 
I have not applied to any credit products in this year

How can I check who requested this?
Could this be a loan scam on my name?

CIBIL Score accessed by someone, how to check

Consultant

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.

Your CIBIL scores

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.

Let's talk money habits.

Corporate Strategist

How to check cibil score for free?

Welcome to Product Managers's Private Community

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!

How to differentiate a 0 forex debit card??

Product Owner

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?

Does having too many credit cards affect CIBIL score?

Why do i have so much difference between the two

34 M Engineering Manager open for discussion on tech, startup, finance, fitness, investments, careers in tech

Anyone up for coffee on weekend in Delhi/Noida

Engineering Manager

I was working in TCS from last 10yrs in BFSI domain i didn’t get better hike as per my roles and responsibilities recently i resigned from job coz I got better opportunity in another company with good hike but before one day of joining I got a call from HR that they drop my candidature reason not clear BGV global credit check is Credit check a part of BGV sound like stupid i explained them each n every thing but they drop my candidature.
Is there any company where credit check is not done n I can get a job.
I am suffering from anxiety and depression due to this incident

Job seeker

Process Associate

I hit 803 Credit Score. 
Key learning:
1. Utilizes 5 - 10% of credit limit. 
2. Never missed any bill payment and paid on fixed dates 1 - 3 of every month. 
3. No active loan, privious loan payments are on time. 
4. Make a increase in credit limit 2 times in a duration of 2 years

803 Credit Score

What's a good credit card for someone that'll start working soon? Expenses would mostly be electronics, and food

Credit Card recommendation

Application Analyst

Welcome to News Discussion's Private Community

So this new company claims to give you cashback on travel and other expenses, but I'm reading reviews on Google Play Store and a lot of people are complaining that they've gotten rejected despite having a great cibil score, and that this is basically another data hoarding app. Anyone here got in?

Scapia Card

Category Manager

Cred has a section called on-time payments in their credit report section 

If you purchase a product worth Rs 100000 using no cost emi for a period of 6 months. Would this affect your credit score?

If you pay each of the no cost emi bills before the due date, would it still be considered as an on-time payment?

Cred - Credit score assessment

I took shit tons of buy now pay later during my college days and couldn't really pay on time, now  my credit score dropped to 540, how do i improve this? i am still in my final year so i have a year to improve, would love to know insights about this, what should be a decent credit score by 2024 june keeping in mind my score now & that i have cleared all the bnpls

CIBIL Score

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