cibil

Yesterday, the score was 796. No bill due, nothing. In fact, the last remaining bill was overpaid by Rs. 2 before the bill generation date. I refreshed the report today, and the score is 774. Nothing in Alerts section, no SMS from CIBIL regarding any new addition/deletion/update/enquiry. Only...

Hello, My Credit Score was b/w 792 to 796 for many years but on a fine day I found out technofino and Applied for almost all credit cards and got a few of them. One thing I don't know every time I check if HDFC offered me CC or not, it is counted as cibill inquiry. In short my inpatient...

Sharing my experience with the community. YMMV. I had only 2 credit cards until 5 months ago. No other loans. CIBIL was 796. Age of credit cards were 10 years and 7 years. Made appr 10 inquiries since then and got two new credit cards. CiBIL dropped to 794, likely due to inquiries. Initially I...

Hi all, I have 5 credit cards but I dont have any Rupay variant. I want to apply for one but the problem is related to number of enquiries in my CIBIL report. My credit profile is almost 4 years old and I have 14 enquiries till date. Out of those 14, 13 are in the last 3 months alone - 8 in...

Experimental - How to Get Free Credit Period Upto 80 Days?? Hello TFCians, Generally Credit Cards Have Free Credit Period Upto 50±1 Days. In This Period, First 30 Is The Period Where You Use Card, On 31st Day The Bill Generates & Now You Have 20 Days To Pay The Bill. Have You Ever Thought To...

Hi all. Some years back I had taken an education loan from a national bank. Though I was late in repaying a few instalments, I repaid back all the amount due and closed that loan account in December 2021. I took an NOC from the bank declaring that the all dues were cleared and they were closing...

I had an amazon account from which I was check my cibil and then I deleted my amazon account and created a new account. But now when I tried to check cibil score or apply for Amazon pay later it's showing an error that cibil score has been fetched from another amazon account please login into...

I used my single free CIBIL report way back in April and now have a lot of incorrect entries, which include a duplicate loan, an unknown loan, and multiple closed loans/credit lines. Is there anyway I can fix these for free, if not how can I buy the cheapest CIBIL Premium?

Hi, In CIBIL, in the enquiries section we only see a one liner info about the hard enquiry made by the bank Eg <date> <bank_name> <enquiry_type> Likewise in Experian Bureau the same info is shown but with a little more details like purpose, query amount etc. I had a few questions related to...

Hi, I am aware and there are many different apps and platforms for to check our credit score (talking about CIBIL bureau only) every month for free. But on all the apps wherever I have checked for eg. Onescore, Gpay, airtel, amazon etc., they only provide the cibil report in view only format...

I want to this upgrade as I've received Coral Rupay ICICI credit card from the recent offer and I never receive rewards for my fuel transactions, I've heard that the HPCL super saver receives rewards on all POS machines, and also the grocery benefits. Keep in mind, I've received a credit limit...

Hi all, This might be a rant/vent, but let me share a frustrating journey/experience with IndusInd Bank Credit Card that was offered to me LTF, which I accepted after being called atleast 5 times a week. On a fine rainy day in middle of August (or maybe a week before), I received a call. The...

Hi, In my CIBIL report, I see that a CITIBANK Loan/Overdraft account was reported from Citibank. It is shown under "Closed Accounts" -> Loans -> Overdraft Please refer the attached screenshot with this post. Whereas, I have never opted for any Loan/Overdraft account from Citibank in the last...

Having logged into my CIBIL dashboard, I was surprised to see the refreshed & the new look. The archaic look has been refreshed with a brand new & a crisp looking UI. Practicality and new features have been added now. Now all the "Active" accounts are clubbed together at the top of the account...

I am not getting my OneCard bill (south Indian bank) EMAIL or SMS properly, lastly I got it in JUNE 2023 properly... For August they send message one day before that too without amount details, have made a complaint today... What about you guys, are you getting correctly?

I received an unrecognised personal loan enquiry on 28th Feb. In March I pursued it with ICICI's customer.care@icicibank.com email. They said they will look into it and it is taking more time than necessary etc. then got cold by May! After that I hadn't the time to pursue until few days ago...

Hi all, Is there anyway to remove legitimate hard enquiries made by banks to cibil? I wish to suppress them wihout waiting for the 3 month cooling period so I can apply for credit cards immediately. I have 12 enquiries past 3 months which is affecting all applications. Can I email ECN to...

I had recently applied for Airtel Axis Credit Card through Airtel App , application was approved and I received the card. Upon checking the CIBIL Report , I discovered there were 2 enquiries made by Axis Bank on the application date. I mailed PNO for the same and asked for removal of atleast one...

I had posted here few months back about how my credit score was dropped by 29 points suddenly without any causing activity (here's the thread). And its been like 8-9 months since I am continuously writing this to cibil but only to get a generic or stupid response every time. This time they have...

Dear Card Holders, I am facing very weird issue with personal details correction in my Transunion cibil after Kotak PVR Card added to cibil there is incorrect wrong email & residential address reported by kotak. Card issued on 07JULY2023 & Same new ac added to cibil on 14AUG2023 first day i...