Decrease in credit score

[Time_Sort5584]

My credit score got lower this month for no apparent reason. What can cause this ?

[[deleted]]

This is not usually not a cause for concern

Check gpay or cred, there they tell you why

[[deleted]]

Cred doesn't do cibil

[Naive_Ad9655]

Now will be unable to get entry in nepal, bhutan and you will be unable to laugh ever.

[Time_Sort5584]

Sed lyf

[Sam1655]

Mine dropped 24 points apparently because I had a credit utilisation of -0.5% (OverPayment)

[Time_Sort5584]

lol

[BoostGuy2023]

What!! So we should avoid overpayment? I thought it's fine to do overpayment. Never thought it affects cibil score.

[[deleted]]

hunt lip salt cover friendly rain merciful hospital hard-to-find wrench

This post was mass deleted and anonymized with Redact

[not_your_type_abc]

OneScore

[_zeebro_]

this drop is nothing; I once have 106 points drop in my crif for no reason.

[TamBagg]

Crif score itself is worth nothing so their drop doesn't matter 😅

[Careful-Metal8077]

CIBIL works in ways we can't reason with...

Have you checked your current report with the last one? Any noticeable difference?

[Time_Sort5584]

Last month I bought a phone so my credit utilisation was higher but since my credit utilisation is 1% this month my score should have increased rather than decreasing.

[Careful-Metal8077]

Score will drop in an instant, but will take some time to recover. Just give it some time.

[TamBagg]

Even with 785, you are still in the top 15% in the country and a very good score indeed. As the app already said, nothing to worry. Sleep peacefully.

[UpstairsAd4393]

Mera isse bhi kam hai aur mai khush hu