cibil

Some 15-20 days ago cibil score was showing in every app but not showing in any of the apps whereas other credit bureaus are reporting fine. I have refreshed all of their scores and cross checked on multiple platforms and the final conclusion is this issue is only with the cibil score. Thanks in...

I am sharing my experience so that others understand how banks handle credit card closures, LTF commitments, and CIBIL reporting, and how useful the RBI Ombudsman process can be when things go wrong. My first case was with Axis Bank. I had requested closure of my credit card long back. The card...

I need to share a shocking case of negligence by SBI Card that destroyed my credit profile. The Timeline: Oct 2022: I closed my SBI Credit Card. Oct 2022 – Sep 2024: Instead of closing it, SBI continued to report the card as "Active" to CIBIL. My report shows "Payment History" for 2023 and 2024...

I’ve picked up several cards in the last 3–4 months, and now I want to balance things out before going for an SBI card. I’m planning to close Kotak, Coral, and BoB One. What impact should I expect on my CIBIL? 765, 4 year history, 6.6L LPA

Hey everyone, I need serious advice. The Detailed Timeline: Sept 29: Received HDFC Tata Neu Plus card. Nov 1: First statement generated. Total Due: ₹10,527. Due Date: Nov 21. Nov 2: I requested to change my statement date to the 18th of the month. Approved. Nov 18: A new statement is generated...

I had a single late payment on one of my loans in july of 2023 and still reflecting in my credit report and how long will it be there?

I really need some clarity from the community. My CIBIL score was 792 before applying for an SBI Credit Card. During address verification, the SBI agent entered my dad’s name as my LAST name, which resulted in my name being printed wrong on the card. I raised a complaint with SBI to correct...

25th August 2024: I opened a ICICI savings account from imobile app. During the process, I received a SMS of a CIBIL hit done by ICICI bank. After checking my CIBIL account I found out that it was for a personal loan I never applied for. 6th September 2024: I mailed ICICI PNO and also raised...

Hello everyone, Some information: - 6 months old credit history. - Took a small business loan from BoM to create credit activity. Loan had 2 components (60K loan + 1L cash credit). - Cash credit was never released by the bank, they only opened the account. I did not care because I only...

Cibil Report Discount Code Required which is working in Nov. All old ones are not working except UMANG10

Hello Community, I'm getting mixed feedback reviews regarding ICICI Credit Card Limit Decrease. Some are telling that Decreasing Credit Limit through Internet Banking or iMobile app will automatically show updated decreased limit in Cibil/ Experian, etc. While others told that communicating with...

I have applied for loan on credit card from Yesbank in feb month for 5Lakhs and they took the processing fee in the first month in the bill itself and they reported the amount as 514000 in cibil report which was false as per Key facts sheet it should be 5Lakhs And i have raised this issue with...

Can someone please explain what is ownership error in CIBIL Score?

Hello! SInce past 2 months my cibil was 802 but today it dropped to 721. Though there is no late payments or hard enquiry in last month, just my credit card utilization rose from 40% to 53%. Increase of 10% only. Could this be an error. If it is, please let me know how could i rectify it? Need...

HDFC made two CIBIL enquiries just for opening a current account 🤔 Hey everyone, I recently opened a current account (sole proprietorship) with HDFC Bank, and later noticed that two CIBIL enquiries showed up one marked as “Other” and the other as “Credit Card.” The weird part is, the only...

When exactly is CIBIL report updated, mine gets updated very randomly (not on 15/30). I am not able to see any pattern in the updation. Also i have CC from 2 different banks and they also update on different dates (again not able to see a consistent pattern here). It is becoming very...

Hi all, I have never ever taken a loan or Credit Card till date. My Current CIBIL is NH - No History I am applying for Credit Card against FD from HDFC Bank I have received few options ( I have an account) Attached Screenshots 1) Biz Grow - Master Card - LTF 2) Moneyback + - Visa - Joining &...

Hi everyone, I just noticed an unexpected CIBIL enquiry on my report and received a message from CIBIL regarding the same. The details are as follows: 📅 Date of Enquiry: 15/10/2025 🏢 Member Name: MIRAEESFSL (Mirae Asset Financial Services Ltd) 🎯 Purpose: Credit Card 📱 Message Received: >...

Hello everyone, For quite some time, my CIBIL score had been consistently stable at 795. Despite multiple loans and credit cards, it remained unchanged. I’ve been aiming to cross into the 800+ range, but to my surprise, when I checked today, my score had dropped to 786. This sudden dip is a...

Update: This issue has been sorted. Somehow, I managed to visit the branch and they helped me with the payment. Thanks a lot everyone for your suggestions. Hi All! My HDFC home loan ECS has been returned due to an insufficient balance. In fact, I had sufficient balance in my account, but I...