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cibil

  1. Mahirathore360

    While searching for ways to increase cibil score quickly, i found something shocking

    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 ...
  2. Mahirathore360

    Call old Technofino members back

    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 ?
  3. ReloadFin

    HDFC Cibil Reporting every 15 days started from November 2024

    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...
  4. Mahirathore360

    Too much confusion, does credit utilization ration calculated out of crdit cards only or it add outstanding loans balance too ?

    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
  5. V

    Approved for removal of Multiple CIBIL Enquires HDFC Bank

    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...
  6. Mahirathore360

    in computing credit utilization ratio by CIBIL, do they include amount used in personal loans or only credit card utilization is considered ?

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

    Manual limit enhacement done CIBIL hit, can something be done?

    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.
  8. sahil1033

    Experian Credit Score is 573 whereas CIBIL Credit Score is 780, how and why?

    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...
  9. Mahirathore360

    how to reactivate closed pay later account in CIBIL

    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...
  10. chuckzspadina

    Debunking the Myth: HDFC Credit Card Offers and CIBIL Inquiries.

    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...
  11. H

    HDFC reported Late Payment on CIBIL for Pre Payment!

    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...
  12. R

    Bank froze savings account so Loan EMI missed

    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...
  13. dileep

    Regalia HDFC cibil issue

    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
  14. L

    Multiple rejections from HSBC, HDFC, Axis and Indusind. How to get my first CC

    Thanks a lot
  15. L

    Can a cibil hit from ICICI bank be reverted ?

    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...
  16. S

    When and how SBI card updates CIBIL - Used 90+% limit, 5th Bill date. Paid 50% of outstanding.

    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...
  17. G

    Spam cibil score check offer from the money fair akiko

    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?
  18. N

    Wrong missed EMI mark on CIBIL by HDFC loans

    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...
  19. aniketkr.sharma

    Cancelled Magnus and need help

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