cibil report

Attached is the PDF format of sample credit report which is provided to the banks or credit institutions by CIBIL.

Hi, I closed my personal loan in 2010 and it's reflecting in cibil as closed. But recently I have received calling from bank (may be I suspect third party) I have outstanding payment. How it can be they are asking me when the loan is closed in my cibil report. My question is my cibil report used...

Sharing my experience with the community. YMMV. I had only 2 credit cards until 5 months ago. No other loans. CIBIL was 796. Age of credit cards were 10 years and 7 years. Made appr 10 inquiries since then and got two new credit cards. CiBIL dropped to 794, likely due to inquiries. Initially I...

Hi there, I am looking for a number of credit inquiries which is good or not bad for cibil score. I personally have 41 hard enquiries in the last 2 years, and I am not sure if it's way too high or okay or good. I see here many people holding numbers of credit cards and I don't think that would...

I have an HDFC Account, where I opted for Overdraft (OD) against FD facility. Unlike most overdraft accounts, HDFC didn't created a separate account, but added the overdraft limit as balance in my regular account, and from there, I can use it without any problem for any payment (also helps...

Hi, In CIBIL, in the enquiries section we only see a one liner info about the hard enquiry made by the bank Eg <date> <bank_name> <enquiry_type> Likewise in Experian Bureau the same info is shown but with a little more details like purpose, query amount etc. I had a few questions related to...

Hi, I am aware and there are many different apps and platforms for to check our credit score (talking about CIBIL bureau only) every month for free. But on all the apps wherever I have checked for eg. Onescore, Gpay, airtel, amazon etc., they only provide the cibil report in view only format...

Hi, In my CIBIL report, I see that a CITIBANK Loan/Overdraft account was reported from Citibank. It is shown under "Closed Accounts" -> Loans -> Overdraft Please refer the attached screenshot with this post. Whereas, I have never opted for any Loan/Overdraft account from Citibank in the last...

Having logged into my CIBIL dashboard, I was surprised to see the refreshed & the new look. The archaic look has been refreshed with a brand new & a crisp looking UI. Practicality and new features have been added now. Now all the "Active" accounts are clubbed together at the top of the account...

On Credit cards: 1) I have an Activa scooter which has tank capacity of ~3 litres. No way I can fill fuel for more than ₹300. Does any fuel card(s) gives rewards/cashback for a minimum transaction value of ₹100? Please list all fuel cards you know if they meet this requirement. 2) Can I link...

Hi all, Is there anyway to remove legitimate hard enquiries made by banks to cibil? I wish to suppress them wihout waiting for the 3 month cooling period so I can apply for credit cards immediately. I have 12 enquiries past 3 months which is affecting all applications. Can I email ECN to...

I had posted here few months back about how my credit score was dropped by 29 points suddenly without any causing activity (here's the thread). And its been like 8-9 months since I am continuously writing this to cibil but only to get a generic or stupid response every time. This time they have...

Dear Card Holders, I am facing very weird issue with personal details correction in my Transunion cibil after Kotak PVR Card added to cibil there is incorrect wrong email & residential address reported by kotak. Card issued on 07JULY2023 & Same new ac added to cibil on 14AUG2023 first day i...

When is this settlement likely to be erased from cibil? Or such defaults stay forever?