A personal loan of 100 Rs. !!

[Ash8]

One of my relatives with a credit history of 6+ years never checked CIBIL score before. When it was checked recently, there was, in the report, a personal loan from IDFC bank of super mega amount of 100 Rs. Yes, you read it right, one hundred rupees!! Never did my relative had any relationship with IDFC bank ever. The report shows the loan was taken in Nov 21 and is closed around this year Feb with all payments done timely.

Should CIBIL report be corrected for this loan?Given that no other loan was ever taken and with a current cibil score of 795, this secured loan could be contributing to a good mix of secured and unsecured loan, right?

Anybody else ever faced something similar?

 

[kunal05]

Since it's a closed loan and all payments are done on time, I think you could let it go. It didn't hurt your score.

 

[image]

"Pay Later" on any of the shopping apps maybe?

 

[phoenix1386]

One of my relatives with a credit history of 6+ years never checked CIBIL score before. When it was checked recently, there was, in the report, a personal loan from IDFC bank of super mega amount of 100 Rs. Yes, you read it right, one hundred rupees!! Never did my relative had any relationship with IDFC bank ever. The report shows the loan was taken in Nov 21 and is closed around this year Feb with all payments done timely.

Should CIBIL report be corrected for this loan?Given that no other loan was ever taken and with a current cibil score of 795, this secured loan could be contributing to a good mix of secured and unsecured loan, right?

Anybody else ever faced something similar?

Might be one of those Buy Now Pay Later collaborations.

 

[Ash8]

"Pay Later" on any of the shopping apps maybe?

Might be one of those Buy Now Pay Later collaborations.

I see, will have to check this.

 

[Manav24]

Cold enquiry by any NBFC in a tie up with IDFC like CRED cash.