cibil

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...

I have a savings account with Central Bank of India. I have set up E-Mandate to auto-debit towards my Kotak Personal Loan for Dec 2 2024. On Dec 1 2024, my savings account was frozen citing KYC renewal which made my Personal Loan auto-debit miss. I contacted Central Bank, finished my video KYC...

Hi my HDFC cc have 55rs due amount last month ,when I tried to pay few times through cred and Paytm amount refunded back now when I checked cibil score there is late payment and cibil is down by 80 points. how to resolve this pls help

Thanks a lot

I recently by mistake forgot to pay a credit card due , but the moment i got an alert via email/sms - I paid it immediately. But nearly 60 points dropped stating that i missed 1 payment. Recently did late payment after receiving email notifications about the miss of payment, I called upon my...

My mother has a SBI CC (her only CC), she used it for paying Tution fee - which was ~95% of limit (her total limit, as she has only this card). I got to know now and paid 50% of it to the card and it got reflected in app. Any idea when SBI updates CIBIL? Does it take into account the whole...

I got on whatsapp this spam advertisement from The money fair, akiko Your CIBIL score's updated. Check and download the report. Access credit card and loan offers now! How do they get your numbers? CIBIL? HDFC credit card? Insurance companies ? Data leaks? CDSL? CAMS?

Hey guys, This is a very late observation from my side as I never seriously checked the CIBIL report until I joined this forum. And I need help on the below. I have taken a Home Loan from HDFC LTD sometime during August, 2020. Well, the application process started in late August and was...

Hi @TechnoFino as you already had the same scenerio with idfc, did they asked for full cibil report? (Entry for closed mayura card).

If you look to sign up to Cibil, it asks mobile number/e-mail account and potentially ID to create an account. I assume the main identifier for CIBIL has to be PAN right (which weirdly they're not compulsorily asking for at sign up time? ) If I signed up using a secondary mobile/email and say...

Got a sudden CIBIL enquiry by Bajaj auto finance today for a consumer loan I never applied for. Never had a banking history with Bajaj Finance, never used any 'Pay-later' schemes, never even registered for Bajaj services. How to get this enquiry removed?? Was trynna keep my enquiries low to...

Need some clarification regarding supermoney Utkarsh bank FD credit card reporting to CIBIL, do they report your employment type and annual income as declared by applying for card to CIBIL? I have recently applied for this card specifically to rectify my erroneous annual income reported to CIBIL...

I'm new to the credit card maximisation game and want to know how many new credit cards can I add to my portfolio in the same month / quarter without seeing too much downside on my cibil. My cibil was 800 with 8 years credit history; and after 4 hard enquiries this month in search of adding best...

Hello In 2024 Feb my zen card has been cancelled I received sms also but till now it is showing as active in cibil report how can I fix this?

I’m dealing with an ongoing problem with a loan account that was initially with Axio and later managed by Asset Care Financial Services. Despite proving that I didn’t owe them anything, I ended up paying the principal just to settle the matter—but it’s still causing issues. Here’s a breakdown...

I have recently taken a home loan on which the uco bank has reported my cibil checking charges payment to be overdue of 1 day. This made my cibil score decrease by 24 points( 784 to 758). I did not received any sms or email from the bank or the Branch manager that it is overdue but now when i...