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.
My CIBIL score is 884, having 2 credit cards
That's almost perfect. Just shy of the 900 by 16 points.
Wow. That's an awesome score! I just to confirm, this score is with CIBIL right? Because I have 842 with experian, 820 with CRIF. But only 787 with CIBIL.
How long have you had your credit cards?
I hope to keep using the two active cards in good standing for at least the next two years before I consider getting a Home Loan (cause I need one), n I sure won’t be getting one right now.
I hope you haven't closed the oldest credit card of yours.
I had to close my oldest cc. Got it when I was young, stupid and irresponsible.
No choice about it, but to settle.
I wish to start anew, and I realise it’s an uphill battle with discipline n perseverance.
Score 769 CC: 22 BNPL: 4 Homeloan: 1
That’s a THICC wallet!
I feel BNPL eats up the score, better to have it closed
770
776 cibil
6 CC 3 bnpl
737
3 CC 1 loan
Score 797 Current due in cibil 11.5k Number of card 11 Number of loan 1 (pay later)
875 with 3 Credit cards
779 2 Card 1 BNPL
752 1cc
I hit 803 Credit Score. Key learning:
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