cibil

I had settled a loan in past and it's showing settled in CIBIL. How can I remove that from my report?

Hi, I just recieved an email from cibil stating there's a new lender enquiry. It was from HDFC. But I haven't applied for any new credit card or loan. There's no enquiry purpose mentioned like other enquiries. Anyone have any idea?.

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...

Hello folks. Couple of days ago got email from CIBIL about credit enquiry hit by SBI card.However haven't applied for any new card or LE. Raised the concern to SBI Card asking for the reason behind CIBIL hit . Following response was provided. What is it all about & possible future outcome ? Did...

Hey folks, I tried to apply for an HDFC card today and came across a new page. Previously, it used to show a pre-approved card, but now it’s displaying this new page for the first time. Now when I tried to select the income verification I selected the option using aggregator and I gave all...

Hi, I am new to the platform and can't seem to figure out how to use it properly. I stumbled upon it when I face an issue with a Cibil enquiry made without my consent. I got a call and was asked if I had applied for the loan (I didn't apply for a loan with them just enquired on other websites...

Banks reporting Secured Cards as : - Secured - (Confirmed to update correctly) ICICI Yes Bank SBM (Paisa bazaar Step up) SBM (One Card) Kotak Axis IDFC First Unsecured - (Incorrect Updation) HDFC RBL BoB IndusInd PNB SBI Confirmation Pending 1. BoI 2. BoM 3. Canara Details are collated basis...

I still remember the day when my CIBIL score was below 750 but my Experian score was above 870. It gave me an ego boost 😜. But as it seems those days are over.

Hi peoples I regularly check my credit reports but never had a look at the closed accounts. Today I saw something strange - I had Paytm postpaid accounts from Aditya Birla Finance which are closed for around 2-3 years now. As you can see in the screenshot - The account got closed in 2021...

Hello Experts, I need to make payments of around 5L in 2 consecutive months each. It will be about 50% of my credit limit on one of the cards. The credit limit (10L) is shared across 2 cards. I want to know if this will impact the CIBIL score somehow? Is the high utilization considered for...

I was just checking my credit score in Google pay and noticed that it showed that I had 3 late payments in my closed sbi card even though I've never missed a single payment. Is this affecting my credit score? If yes, Where should I mail sbicard?

Hello, I’m looking for CIBIL subscription discount offer code for 6 or 12 month plan if anything is available. Can I get any coupon code please?

CIBIL got upgrade! Now it notifies real time when an enquiry occurs via SMS instead of email. Most users often miss e-mails, this is useful now. Note: for this you need to register on CIBIL website first. Link: https://www.cibil.com/freecibilscore

I was hit with dreaded Your application is under verification message while applying for Tata Neu Card. This is despite me holding HDFC Bank account and Credit card. It showed my existing card limit, and that usual thingy that shared limit and 5k till 5 days blah blah... and asked me to...

As the title indicates, I recently checked my CIBIL score and it dropped by 8 points and noticed the culprit to be Member Name: INDIAN BANK Account Type: Credit Card Strangely, I have neither applied for a credit card nor opened an account with this bank, yet it appeared on my record. I...

Hi My cibil suddenly reduced from 802 to 768 as I see an overdue and late payment fo rupees 400 on my home loan. Here is what happened actually. In Jan this year, For interest rate reduction on my home loan they asked for a cheque of 5000, so I gave it but the signature did not match so the...

Is the status "No suit Filed" status in Cibil anything to be concerned about? This website https://www.cibil.com/nonsuitfiledcases/ shows non suit filed cases as "NON-SUIT FILED CASES (Wilful Defaulters Rs 25 lacs and above) (Defaulters Rs 1 crore and above)". But I have never missed any...

Suppose someone has only unsecured cards with good limits (over 50k) and no BNPL ever. And he takes few low limit secured cards (only 2k or 5k FD). What effect will it have on his credit profile. 1. Will it improve or decrease his score? 2. Will it effect the of future credit cards limit...

Is there going to be any impact because of difference between CIBIL and Experian scores?? In my case the experian score is lower and CIBIL is higher. What happens in such cases. Do banks query will all the 3 credit agencies or what happens? If one is having a average score and one is having a...