Literally the score generated by CIBIL is BULLSH*T. Useless fellow in CIBIL wont even the update the data they process. Cheaters simply charge 470 rs for processing some baseless numbers, Assho**! Won’t care about the customer money spent.
Example, I blocked a credit card still CIBIL report shows, still I have some balance on the credit card. Similarly the loan I paid on various loan accounts. won’t even gets updated, still it shows the last updated date as your applying date. Please, don’t waste money on CIBIL credit score, it need a lot of reliability and improvement.