cibil report

I want to know that after we take credit card , banks generally report our card account with in 1 or 2 months, so at the same time some banks report our personal information like employment status e.t.c to cibil, and some banks wont report our personal details so recently if you take any...

Today, I downloaded my free (yearly) CIBIL credit report. It only shows two of the four current credit cards I own. Among the cards not featured are SBI's 9-10 month old card and Yes Bank's 7-year old card. I also noticed that one of my Kotak bank cards, which I closed a few months ago, is not...

Just wondering if there's a number that anyone tested here. In pursuit of Infinia I ended up having 4 new cards in the last 3 months. Also, the hard enquiry shot up to from 0 for last 3 years to 9 in last 3 months. Despite that my CIBIL score went up by 35 points in the last 90 days. Not sure...

Hi guys, Just to update - CIBIL Report download/view option is working again in ICICI. Login--> My CIBIL Score Almost after an year it's working again. Atleast I can see and download the report from iMobile.

Approximately since 3 months, I can see my father's loan & credit card accounts in my CIBIL report as well. I used to check onescore to view my CIBIL score and thought it might be some error from their end. But I checked on gpay and it's the same, now I got CIBIL membership as well and it's the...

My father had a loan with Capital First Bank during 2008 which was closed with timely payments. However, the account is shown as settled in his CIBIL report even with no due amount. Since then, capital first merged with IDFC Bank and now the 'settled' account shows under IDFC bank. Kindly let me...

I got a sms regarding a CIBIL Enquiry by RBL Bank on 7/7/24 which was done without my knowledge or consent. I had asked them to remove the same as it's negatively impacting my credit profile, but they're saying that it's genuine and the query was made for a Shoprite Card application which is...

My cibil is stuck at 781-782. It’s barely moving 1 above and 1 below. Will buying cibil 1 year paid membership help in improving cibil score. There is some cibil simulator in cibil membership. Please help me in this

One of my relatives with a credit history of 6+ years never checked CIBIL score before. When it was checked recently, there was, in the report, a personal loan from IDFC bank of super mega amount of 100 Rs. Yes, you read it right, one hundred rupees!! Never did my relative had any relationship...

I have an ongoing home loan I got LIC HFL for 8.75 ROI, but on CIBIL report, its showing 9%. My EMI Installments are 90rs more than what an EMI Calculator show for 8.75%. so I'm getting it at that ROI only, I don't know why it was reported to CIBIL incorrectly. Does this difference matter...

Hi All, I had a Standard Chartered Bank credit card that expired around Dec 2021. There was some amount due and I was expecting a refund from a third party due to which I was under the impression that it would clear it all but unfortunately, there was a due of around INR 1100 which I missed...

What is High Credit in Cibil ? Hi I am new to Credit cards . My score has fallen by 8 points it was 772 but now 764 . Do this HC has effect on my 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...