cibil

Hi, My Citi (Axis) Rewards (having bill generation date of 23rd) has its outstanding and payment utilization updated in CIBIL by 5th of next month. But it did not get update for July month yet. Hence, I am checking if anyone's Citi (Axis) Rewards outstanding and payment utilization got updated...

I spoke to one of the DSA for home loan who suggested me BOI and asked if I am aware of my cibil score. They have less interest rate for anyone with 800+ score. My score currently is around 790. The DSA mentioned that BOI checks Cibil personal score which is generally higher then my actual...

Hi, Has anyone's Axis/HDFC card payment/outstanding details been updated in CIBIL for July month yet?

Hey I had 6 hard cibil enquiries this month (got a bit greedy with card applications, 3 accepted 2 rejected 😆 and 1 card upgrade). CIBIL score went from 789 to 776 as expected. Anyways, I want to take an SBI Simplesave for bank offers, how long should I wait till applying for my next card? Is 3...

Hi, My Citi converted axis card has a statement generation date of 21st of every month and the same gets updated in CIBIL by 28/29th of the same month. But this time it did not update yet. So checking if Axis data got updated for anyone in CIBIL for July month or is there a delay from Axis...

I took Rs. 50,000 loan from Dhani in December 2019. Paid till 2021. And missed one payment in 2021. They had a technical issue, and their NACH failed. So they sent me some link, and then I paid. But they added some bounce charges to my account. I fought with them about this, since 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 have 67 CIBIL enquiries in last 3 years. 18 credit cards, 8 loans, and a credit score of 787, which is constant for last few months. Credit utilization is under 10% every month. No payment delayed ever. Is there any way to increase my score?

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?