A Reddit user recently shared his experience of having his personal loan application rejected despite a CIBIL score of 720. Upon investigating, he discovered that banks evaluate more than just the score; they consider the entire credit profile. Key reasons for his rejection included old inquiries lingering for two years, a settled credit card account that raised red flags, and a temporary spike in credit utilization to 80% four months prior. This experience underscores the importance of not only checking credit scores but also reviewing detailed credit reports to understand potential issues. Other users noted that scores below 750 can be viewed unfavorably by lenders, and even high scores do not guarantee approval if other factors are concerning.