In short: This is an illustrative case, not a real customer. It walks through how an Omozing credit officer might read the file of a salaried applicant with a CIBIL score of 637 and an old credit card write-off. A score in the 600s does not end the conversation: the officer looks at why the … Continue reading Low CIBIL Case Study: How a 637 Score With an Old Write-Off Is Assessed (Illustrative)