credit bureaus

SBI Reported late payement by 3 days in April 2024, but I have paid bill in the 3 day's grace period ( as per RBI) but they reported to Credit bureaus and my cibil dropped by 70 points, I have complained SBI card about it and escalated multiple time but no response, now i have complained in...

Got a call from Babaj Sales Executive. She informed me that based on my credit record (I have 10 Credit Cards) they are providing me a RBL credit card. Had no intention to get it. But I still kept on the conversation hoping it was LTF. She told me special features of that card: " 48 days...

Hi all, I have been using onescore to fetch my cibil and experian credit scores for more than 1 year. But today when cibil score refresh was available, i refreshed it and it shows only experian score. Cibil score is missing. I did try to check via other apps or websites, same problem. Wishfin...

Hello Genius, I need your advise to take next step for below scenario. I had RBL world Safari Card. I made transaction of Rs. 55000/- on 5 Non 2022 I also redeem reward point and it charged me Rs.99 + Rs 17.82 paisa Now total due amount is Rs. 55116.82/- on due date 9 Dec 2022 I paid total...

Suppose someone has only unsecured cards with good limits (over 50k) and no BNPL ever. And he takes few low limit secured cards (only 2k or 5k FD). What effect will it have on his credit profile. 1. Will it improve or decrease his score? 2. Will it effect the of future credit cards limit...

1. If I don't use a credit card very often (say, once in 2/3 months), may the credit limit on the card get decreased for lesser usage? (Asking because I read somewhere that it actually happens.) 2. Do the credit bureaus calculate credit utilization ratio for individual cards or they do it both...

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 there, I am looking for a number of credit inquiries which is good or not bad for cibil score. I personally have 41 hard enquiries in the last 2 years, and I am not sure if it's way too high or okay or good. I see here many people holding numbers of credit cards and I don't think that would...

I have a fd backed one card. I got this in May 2023 and statement got generated in May itself, and as of now there are 5 statements generated including September. I want to know what is the good time to fetch the credit score for the first time and where should I check it for the first time...

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...

Background AU Small Finance Bank has this program called SwipeUp Credit Card Upgrade Platform which they advertise here: https://www.aubank.in/personal-banking/credit-cards/swipe-up-credit-card-upgrade-platform Here are some snippets of their advertisement on their landing page: Misleading...

I have been seeing many posts in which people are concerned about having one additional hard inquiry in their CIBIL report. But is it really something I should be fretting about? Now, I understand if you have more inquiries, especially in a short period of time, it shows you as a credit-hungry...

I installed the Tata Neu app, planning to make some purchases and then give the details to fetch my credit score and wait for them to give me an LTF offer. I have 1 question the below-attached screen means a soft pull right, attaching the terms and conditions also. Also how to convey my income...

On June 26, 2023, the Reserve Bank of India (RBI) imposed penalties on several credit information companies. CRIF High Mark Credit Information Services was fined Rs 25.75 lakh, Equifax Credit Information Services Rs 24.25 lakh, TransUnion CIBIL Rs 26 lakhs, and Experian Credit Information...