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cibil

  1. S

    Cibil score has not changed

    Hello Folks, I am really confused regarding by Cibil score, So it has not changed much since last 4 years or so! Been between 780 ~ 790 always. In the last 4 years, added and closed many cc's, got a personal loan, credit utilization upto 80%. But the margin hasn't moved much, I just want to...
  2. financewizard

    Issue Resolved SBI Unipay - Transaction failed - Missed due date for HDFC CC - CIBIL Impacted

    I paid HDFC CC outstanding amount via SBI Unipay. Initially it showed as if the payment was successful. But later after couple of days, the payment got failed and status changed in Unipay portal to transaction failed & I missed the due date. Later SBI has reversed the transaction and credited...
  3. hemanth_Reddyy

    liquiloans is doing fraud to get late payment fees and effect my cibil score

    Hello team i took loan from liquiloans and my emi date is 5th i put ecs mandate but due to insufficient funds it is not debited i have added funds on the same day and tried to pay Emi manually but their website froze the manual payment on 6th i have paid manually now i am not sure whether my...
  4. Mahirathore360

    What is failed dispute in CIBIL ?

    I have raised a dispute with CIBIL and after raising disput it was showing in open dispute tab but after next day it moved to Failed dispute without any reason , what does that mean ? someone explain , any solution ?
  5. shrewdoc

    HDFC Reporting to CIBIL Every WEEK!

    I have noticed for the last 20-25 days, HDFC has been reporting to CIBIL every week starting from: 23 Nov → 30 Nov → 7 Dec Previously HDFC used to report ONCE on month-end ie. on 30/31 of every month. This is even faster and earlier than the RBI new guidelines of biweekly reporting w.e.f. 1...
  6. 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 ...
  7. 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 ?
  8. 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...
  9. 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
  10. H

    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...
  11. 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
  12. 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.
  13. 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...
  14. 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...
  15. 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...
  16. 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...
  17. 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...
  18. 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
  19. L

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

    Thanks a lot
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