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reporting

  1. jr001

    Wrong Reporting to CIBIL Credit Bureau by SBI

    My sister has an active car loan but usually doesn’t check her CIBIL score. Recently, she checked it for a specific need and discovered that SBI had incorrectly reported nine late payments from 2021 to 2022. This discrepancy appears in both her Experian and CIBIL reports. Should she request a...
  2. G

    Query on AIS Reporting for Credit Card Expenses Beyond ₹10 Lakh

    Hi All, I have a query regarding the Annual Information Statement (AIS) reporting by banks for credit card expenses exceeding ₹10 lakh in a financial year. Is the ₹10 lakh threshold applicable cumulatively across all credit cards held by an individual, irrespective of the issuing bank, or is...
  3. Md_

    Help regarding CIBIL REPORTING

    Hello Guys, I am posting this thread to ask some of my questions regarding cibil Yaa, so let's start I am having total of 5 loans out of which 4 are consumer durable and 1 is personal loan Hdfc bank (Consumer durable) taken in 2023 November.... It was reported to experian but not in cibil...
  4. Solarman

    Wallet Reporting to ITR

    Do we have to report wallet Apps ( Slice , Payzapp , Amazon pay )transactions Like Credit And Debit all to ITR while ITR Filling?
  5. B

    RBI Issues Master Direction on Credit Information Reporting – Here's What You Need to Know

    The Reserve Bank of India (RBI) has introduced a new Master Direction titled "Credit Information Reporting by Credit Institutions" (Circular: RBI/DoR/2024-25/125 DoR.FIN.REC.No.55/20.16.056/2024-25 Dated: January 06, 2025) These measures aim to enhance transparency, data accuracy, and customer...
  6. SSV

    New CIBIL Reporting Frequencies of Various Banks from January 2025

    Guys, We already know that the new norms of cibil reporting comes into place w.e.f 1 Jan 2025. As per the new rules ,the banks and other financial institutions should report outstanding balances of loans and credit card accounts atleast every fortnight. In this regard some banks adopted...
  7. 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...
  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. S

    Wrong Credit Card Type Reporting by SBM Bank (OneCard Lite)

    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...
  10. TechnoFino

    Amex India to Report Credit Card Data to Credit Bureaus Every 14 Days

    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...
  11. Inder Chouhan

    Compensation for wrong credit bureaus reporting by SBI card.

    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...
  12. aniketkr.sharma

    Cancelled Magnus and need help

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

    Supermoney fd credit card reporting to CIBIL

    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...
  14. saver-user

    Advice Needed: Incorrect CIBIL Reporting & Unresponsive Loan Agency Despite Unnecessary Payment

    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...
  15. theflash

    ICICI Bank CIBIL overdue

    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...
  16. Alex292929

    EMI Cancellation & AIS Reporting on Credit Card

    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?
  17. Raavan

    Extended credit reporting complaint to RBI

    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...
  18. Pankajkr09

    Compensation for wrong credit reporting

    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...
  19. D

    Did Axis miss 2 reporting date for everyone?

    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?
  20. cowcoconut

    SBI reporting wrong balance

    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?
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