https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203385
Not 1 late payment for last 2 years .... and it is 792 !
Just curious about CIBIL score - Anybody over 800-810?
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If there's anybody with over 800 CIBIL (self or family - not friends, not acquanitances, not "i know somebody", not "someone in my office" etc.), what is the combined credit limit of cards you/they are holding (only cards whose limit is being reported) and the mix of credit type?
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https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203406
No late payments since day 1 of credit profile, still it hasn't crossed 780.
P.S. I have only Credit Cards. No Home Loan. There were a few personal/consumer loans, thanks to BNPL f*#ks, who ultimately screwed my cibil before permanently closing, but got all of them closed for peace of mind.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203726
third.i.financial.advisors wrote:Not 1 late payment for last 2 years .... and it is 792 !
Bajaj Finance some item you will get there
keep it short for 3 months
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203752
mine 801
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203753
Santushal wrote:mine 801
Credit mix type? Secured /unsecured?
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203763
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Ramta_Jogi wrote:all unsecureCredit mix type? Secured /unsecured?
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203768
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203797
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Ramta_Jogi wrote:check the DMCombined CL?
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203834
Mine was 816 earlier. Now it's around 796 - to 798 after taking credit cards. So only cc in credit mix is there then I think it is difficult to get more than 800
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203839
Bk100 wrote:Mine was 816 earlier. Now it's around 796 - to 798 after taking credit cards. So only cc in credit mix is there then I think it is difficult to get more than 800
With only CC I am hearing ranges of 800-810. With home loan it's coming to around 815-825.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203845
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Ramta_Jogi wrote:With only CC I am hearing ranges of 800-810. With home loan it's coming to around 815-825.
Yes. With home loan only in my record it was 816.that loan I closed in 2015.taken cc in 2021 . Since then it is bellow 800 . 1st dropped because of cc enquiry. But after wards it is not crossed 800 so far. Last month it was 798 this month 796.dont know why it dropped 2 points this month.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203851
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Bk100 wrote:Yes. With home loan only in my record it was 816.that loan I closed in 2015.taken cc in 2021 . Since then it is bellow 800 . 1st dropped because of cc enquiry. But after wards it is not crossed 800 so far. Last month it was 798 this month 796.dont know why it dropped 2 points this month.
Everybody's score has dropped this month for no obvious reason. 810 to 799, 807 to 802.
In 2015 they were following different algo (1.0) for Score . It changed (CIBIL 2.0) in 2020 so the drop would have been there in any case.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203938
Total credit limit 31Lacs. All unsecured credit cards.
No loans..
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203945
Sudarshan61 wrote:
Total credit limit 31Lacs. All unsecured credit cards.
No loans..
When did it move past 800 range? Anything in particular you did to make it budge?
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9203958
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I never went above 800. 793 thrice and back. Range is 772-793, over 4 years.
No home loan.
Ramta_Jogi wrote:I want to know a bit tooWhen did it move past 800 range? Anything in particular you did to make it budge?
I never went above 800. 793 thrice and back. Range is 772-793, over 4 years.
No home loan.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204046
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Ramta_Jogi wrote:When did it move past 800 range? Anything in particular you did to make it budge?
Mine used to be in range of 804-805 since last 5-7 years ..it dropped 10-15 points when I took HDFC card and had couple of enquiries and stayed in 790-794 range for months...(I always believed HDFC is culprit as they don't report limit)
Couple of months back I maxed out my spend on HDFC card..score jumped after 2 months when I was back with my normal usage on HDFC and 2 cycle of HDFC reporting data to CIBIL.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204116
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Sudarshan61 wrote:Thought as much. Need to wait and watch if the new ICICI card makes my score better; else spend a lot on HDFC card.Mine used to be in range of 804-805 since last 5-7 years ..it dropped 10-15 points when I took HDFC card and had couple of enquiries and stayed in 790-794 range for months...(I always believed HDFC is culprit as they don't report limit)
Couple of months back I maxed out my spend on HDFC card..score jumped after 2 months when I was back with my normal usage on HDFC and 2 cycle of HDFC reporting data to CIBIL.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204145
780;
Unsecured
5 yrs
No job till past 4 years
No default
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204211
YoYoDesiBeat wrote:780;
Unsecured
5 yrs
No job till past 4 years
No default
.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204314
Sudarshan61 wrote:
Total credit limit 31Lacs. All unsecured credit cards.
No loans..
Which is best option for check score(spam free, I've app install like imobile, Gpay, freechag...),
Any impact if check credit score,
Is it show Credit card, loan or BNPL info If any belong to me...
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204407
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204413
My Uncle had credit score of 820 few months ago. Have not asked him recently. He has two LTF Cards from CITI and SBI with combined limit of 8 lakhs. He hardly uses his cards. So there is no question of Credit Usage or Late payments.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204437
Uhtnas4444 wrote:My Uncle had credit score of 820 few months ago. Have not asked him recently. He has two LTF Cards from CITI and SBI with combined limit of 8 lakhs. He hardly uses his cards. So there is no question of Credit Usage or Late payments.
Pls update as of now
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204576
I just checked tata neu and got 873 experian 
Cibil is 790
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204864
CMGG wrote:I just checked tata neu and got 873 experian
Cibil is 790
I only need to know cibil over 800-810.
Experian and Crif and Equifax don't matter.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9204876
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Sudarshan61 wrote:Mine used to be in range of 804-805 since last 5-7 years ..it dropped 10-15 points when I took HDFC card and had couple of enquiries and stayed in 790-794 range for months...(I always believed HDFC is culprit as they don't report limit)
Couple of months back I maxed out my spend on HDFC card..score jumped after 2 months when I was back with my normal usage on HDFC and 2 cycle of HDFC reporting data to CIBIL.
Eye opener post bro, Hdfc’s the culprit. Here I am sitting duck 🦆 with 3 hdfc CC s.
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9205187
The real question should be is there any actual use of getting a score above 800 or is a score of 780+ good enough.
From what I know anything above 780 is pretty amazing and losing your sleep over getting it above 800 is absolutely needless. If anyone here know any actual use of crossing 800, please educate me.
People should stop treating credit score like marks on an exam. After a particular point, it doesn't really matter how high your score is. If you have a 780-790 score, that puts you in or near the top 10%. Most sites that tell you your credit score consider scores above 775-780 as excellent. Such scores will make you eligible for all thy credit card and loans, provided you meet the other criteria. Then what's the point of this discussion and having similar threads pop up every few weeks?!
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9205192
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woodfield753 wrote:Bajaj Finance some item you will get there
keep it short for 3 months
Nothing against the poster but is this post seriously telling/advising someone to take a loan to get their score above 800? Like, why? Do you get gold medal from the president for getting your credit score above 800? Or a certificate of achievement from CIBIL?
https://www.desidime.com/discussions/just-curious-about-cibil-score-anybody-over-800-810?page=1#post_9205313
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A_J wrote:It is telling/advising lolNothing against the poster but is this post seriously telling/advising someone to take a loan to get their score above 800? Like, why? Do you get gold medal from the president for getting your credit score above 800? Or a certificate of achievement from CIBIL?
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With only CC I am hearing ranges of 800-810. With home loan it's coming to around 815-825.