reporting

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...

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...

So, I have a FD Backed OneCard Lite Credit Card (Account Created On July 2021) from OneCard-SBM Bank. Just in this month of december I noticed on GPay App that SBM Bank has been reporting OneCard Lite as an Unsecured Credit Card (I check my CIBIL Score and overview every month in the...

Recently, American Express India sent an email to all their customers, notifying them that they will report customers' account data to credit bureaus every 14 days. They will report the first time on the bill generation date and the second time on the bill generation date + 14 days. This...

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...

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

Need some clarification regarding supermoney Utkarsh bank FD credit card reporting to CIBIL, do they report your employment type and annual income as declared by applying for card to CIBIL? I have recently applied for this card specifically to rectify my erroneous annual income reported to CIBIL...

I’m dealing with an ongoing problem with a loan account that was initially with Axio and later managed by Asset Care Financial Services. Despite proving that I didn’t owe them anything, I ended up paying the principal just to settle the matter—but it’s still causing issues. Here’s a breakdown...

ICICI Bank reported an overdue to my CIBIL. They reported due of ₹27 any chance to get it recovered? Points down by 60... It was a geniune mistake, never received bill payment reminder and didn't notice the amount being not paid. Bill Generation: 20th September Bill Due date : 8th October...

When I make an EMI transaction, the bank credits that amount back to my card. However, if I cancel the EMI and pay the full amount instantly, the credited amount shows up twice on my statement. In this situation, which amount will be considered for the AIS? Will both credits appear, or just one?

Hello everybody One of my first credit card - OneCard by SBM Bank India. Issued - 5 Sep 2022 Closed - 8 Sep 2023 Last Credit reporting to CIBIL & Experian - May 2024 Just with above information, any stupid person will also understand that the bank is reporting my payments even after closure of...

I have complaint against a loan company with RBI ombudsman for wrong reporting to credit information company. Also demanded compensation because even after multiple correction they again reported incorrect and this all is going for last one year. Loan company has once again corrected my credit...

Hi guys. In my CIBIL report, Axis has not reported since 31st July. It missed 31st August and 30th September. Is it same for everyone?

Hey I used around 80% of my sbi cashback CL 2 months ago. The balance was showing 80k then. I paid it off after that month statement. But the balance still shows 80k after 2 months. This is bringing my CIBIL score down. What should I do?

Recently my AMEX, SBI and HSBC application were rejected due to infamous "internal policy" reason, after filing a complaint to RBI ombudsman it turns out that I was overleveraged even though my existing credit mix <4 Lakh so I checked my CIBIL profile and it turns out Indian Bank has reported my...

I am 19 years old.I have hdfc credit card with limit of 50000 in my name.I took od against FD and took the od money and i don't know how to repay the od against FD.I started using that savings account after 3 months and it was reported in my cibil as delayed payment of 2 months by 91 days...

In order to protect my CUR iam trying to make credit card bill payments before bill generation date and no one is allowing me to pay ... i tried canara, sbi, jiofin etc etc they are asking to enter the amount which is below the last generated amount which is 0 I can still be able to make...

Assuming that I cross the limit of 10L for it and the bank has to report it to AIS, so which transactions out of the below will be part it ? Transaction 1: Expenses of 50k but the product was returned and the merchant refunded the whole amount. Everything happened before statement is...

Hello everybody I made a thread earlier to know about the impact of this payment reporting. Now let's start: I had 4 Paytm postpaid accounts facilitated by Aditya Birla Finance from 2021 to 2023. Below are the details of the accounts: 1. Date of Last Reporting: 31-05-2024 Status...