cibil

Guys, We already know that the new norms of cibil reporting comes into place w.e.f 1 Jan 2025. As per the new rules ,the banks and other financial institutions should report outstanding balances of loans and credit card accounts atleast every fortnight. In this regard some banks adopted...

Hi Guys! 1. In India, do sole proprietorships and their proprietors enjoy separate CIBIL ratings? 2. If not, then does it make better sense to obtain rewarding business cards in the name of the proprietor (e.g. HDFC Bizblack, AU Business Cashback etc.) instead of obtaining corporate credit...

I had an IDFC Wow card for nearly a year and have recently been issued a Mayura card unsecured. I was reading the threads on these new cards and people have mentioned that the new account was reported to CIBIL immediately even before the card was activated/delivered. The first statement is to...

Hello Folks, I am really confused regarding by Cibil score, So it has not changed much since last 4 years or so! Been between 780 ~ 790 always. In the last 4 years, added and closed many cc's, got a personal loan, credit utilization upto 80%. But the margin hasn't moved much, I just want to...

I paid HDFC CC outstanding amount via SBI Unipay. Initially it showed as if the payment was successful. But later after couple of days, the payment got failed and status changed in Unipay portal to transaction failed & I missed the due date. Later SBI has reversed the transaction and credited...

Hello team i took loan from liquiloans and my emi date is 5th i put ecs mandate but due to insufficient funds it is not debited i have added funds on the same day and tried to pay Emi manually but their website froze the manual payment on 6th i have paid manually now i am not sure whether my...

I have raised a dispute with CIBIL and after raising disput it was showing in open dispute tab but after next day it moved to Failed dispute without any reason , what does that mean ? someone explain , any solution ?

I have noticed for the last 20-25 days, HDFC has been reporting to CIBIL every week starting from: 23 Nov → 30 Nov → 7 Dec Previously HDFC used to report ONCE on month-end ie. on 30/31 of every month. This is even faster and earlier than the RBI new guidelines of biweekly reporting w.e.f. 1...

I was searching for information that how i can increase my CIBIL score and i found a guy who charge money from people and increase their score using some illegal methods, i don't know how he do it but he had posted many screenshots of his clients, i asked him is your method legal or illegal ...

Dear technofino Admin, i saw some old members post and they were crazy experienced and engaging but due to some reason there last seen is of more than 6 months ago. I request you to send them e mail and ask howz life going and why are inactive since long time. What's OG's doing ?

Updated: as on 18-12-2024 Hello everyone, as i have cibil subscription and recently I've noticed that my scores started to dance within same month and observed that hdfc reporting on every 6/7th and 22/23rd day of month (every 15 days). So be careful if you use your cards in a way which could...

I am sharing screenshots of November and December, in November i didn't had any Credit card but in December i have 3 CC, Cibil was 746 in Nomber but in December it is 733

Hi Lavanya, I hope you are doing well. I wanted to share my recent experience with HDFC's credit card application process, which has been quite frustrating and has negatively impacted my trust in your services. Here’s what happened: I noticed the Tata Neu LTF Card listed in the Tata Neu...

i am bit confused in that, expert please give your opinions

Manual limit enhancement taken on hdfc card and they have made cibil inquiry am asking them to remove not doing can complaint against bank with rbi help.

I check my Experian and CIBIL credit score on a monthly basis and I've found that for some reason my Experian credit score is way too low, it's 573 whereas CIBIL credit score is 780. Because of this reason, my application for Federal Bank Celestia CC was rejected due to very low Experian credit...

I have closed my oldest Flipkart and Mobikwik account by mistake due to wrong credit advice and now my credit history shortened to just 1 year old because all active accounts are just one year old, because of that my cibil score dropped to 733. please help me , how can i reactivate my closed old...

There's a common misconception that checking for HDFC credit card offers doesn’t result in a CIBIL inquiry. However, my recent experience proves otherwise. When I checked for a credit card offer from HDFC, I received inquiries on both my CIBIL and CRIF reports. The Reality of Credit Card...

Yes you read that right! HDFC actually marked an Loan EMI as late payment for making an advance payment. So let me explain in detail... I have an Home Improvement Loan for which my account is automatically debited on every 15th through NACH Mandate. On 26th August I made a request for two...