cibil

Hi everyone, I want to share my experience with CIBIL and Experian credit bureaus. Around two months ago, I raised disputes with both CIBIL and Experian to get some credit inquiries removed from my credit report — 4 with CIBIL and 2 with Experian. Out of the 4 CIBIL inquiries: 2 were closed...

Guys, got this new alert today on my CIBIL and I have no clue what does that mean !!! It just says this "A new loan account has been seen in your CIBIL report" and there is account number and also account type as Credit card. I have not applied for any credit card recently! Help me to decode...

Hey everyone! Just curious—how many hard CIBIL inquiries do you have on your report? Also, how many credit cards and loans do you currently own/closed?

Hi, Technofino Folks First of all a big applauds to RBI Ombudsman. 🫡🙏 It all started when I decided to check my CIBIL score through the BankBazaar app, a routine step to keep track of my financial health. Everything seemed fine until I pulled up my full CIBIL report a little later. That’s when...

Hi Team Since sbi cb always gets approved with less limit the CUR will be easily greater than 30% and if a person only has sbi cc in his portfolio then I think it will cause heavy impact in their credit score Any views please

Whats going on in cibil. No late payments but only a new account was added. but it fluctuating so much. is it due to new reporting system.

Hey everyone, I’m facing a strange issue with my SBI credit card. The card is active, and I’m using it regularly, but my CIBIL report incorrectly shows it as "Closed." # Steps I’ve Taken So Far: ✅ Contacted CIBIL customer care – They said they are just an information-collecting agency...

Today I received 2,200 rupees compansation from Cibil. I don't even remember when I made the complaint :hehe:

Hi Members, I have been facing this issues recently from past 6 months + I need some guidance to resolve this issue wrt to my cibil score not factoring in all my accounts (credit card, loans, etc) - (0/6) It is just factoring in the enquiries I made for credit card, loan enquiry, but my active...

Hi I see some random notification from cibil that new mobile number added, new address added and it says Reported by as "ATLAS Triggers Terminated" Not sure how and who did it and how do I get it resolved?

Hi Guys I always had just one SBI Credit Card that I took 8 years ago. When I lost my card a couple of years ago, I asked SBI for replacement. I dont always check my CIBIL score. But when I checked it today I found that there are two SBI CC reported in my CIBIL one open and one closed both have...

cibil hit by fraud company "LNT FINANCE" ON CIBIL AND CRIF WEBSITE 1.unncessary fraud CREDit inquiry on cibil reports 2. Reported to RBI 3. Raised dispute on both (cibil and CRIF website) but no solution 4. Raised to customer care of LNT FINANCE on email and social media Still not problem...

Hi, Please post the cibil score at which you got all your cards. In this way we can identify the minimum cibil score required for each bank. For example, I got BoB and PnB credit card at CIbil score of 767 and I can see in their Policy document that minimum score required is 700 for cibil...

During January, I asked fellow TF members whether banks were supposed to add credit card accounts that were never activated to your CIBIL report. Upon receiving their inputs, I raised a report on CIBIL dispute platform against IDFC and Axis Bank. In a few days, I got a standard response from the...

I missed my HDFC credit card due date by one day (yesterday was the due date, and I paid the full amount today). Will this impact my CIBIL score, and how can I check if it’s considered a late payment?

What does cibil Overridden means and does this term really exist and this PNB(credit Card) really sucks now their CC executives are blabbering your Cibil Overridden, back-end team couldn't fetch it, please send your cibil report to such and such e-mails, bhai dena Hain to de nahin to mat de...

Hello Guys, I am posting this thread to ask some of my questions regarding cibil Yaa, so let's start I am having total of 5 loans out of which 4 are consumer durable and 1 is personal loan Hdfc bank (Consumer durable) taken in 2023 November.... It was reported to experian but not in cibil...

So, I did this 1 or 1.5 months back I changed my limit of ICICI through website/app and now finally today I see it is reflecting the same. My limit is 4.7L and I decreased it to 47k, and it is showing the correct one. I also changed kotak card's limit and that too is reporting correctly now in...

Hello Technofino Community, I want to bring attention to a serious lapse by Bank of Baroda (BoB) Financial, which has had a cumulative negative impact on my CIBIL profile over the years. While the incident itself dates back to 2022, I was not aware of the RBI Ombudsman escalation process at...

Hey guys, I need some advice. My CIBIL score dropped from 745 to 709 after a loan closure update. The only change in my report was that Asset Care updated my account from "Settled" to "Closed" on Feb 15, 2025. No other loans, credit card usage, or late payments were added. From what I...