Accidentally messed up my credit score, what can I do now ?

[Dr.doom]

Do u live in service area of kotak ?
Where do u live

I think it should be. I'm in Bareilly, up rn. Home town is Lucknow.

Something is not right. Aditya Birla has marked payment as 0 from Sep 2023 onwards. Also there is no settlement remark. If you have paid this month then till last month it should have mentioned some number under payment status. Please speak to Aditya Birla support asap and get everything on email

No I paid/cleared it in September 2023 only. They also sent no dues certificate in my mail.

I didn't know it was also on my cibil report till I checked last Sunday. So I guess after I paid in September it stated showing zero from then.

Arre my question is why is his payment status showing 0 from Sep 2023? Shouldn't it be 360+ something. Why suddenly payment status is 0. It means internally they have marked account as settled. Few years ago it used to appear on CIBIL (I know because I had one thanks to Rs 100 which SBI charged me for something and did not even notify me to pay!)
After I paid Rs 100, SBI just removed settled remark and the payment status was unchanged.

No I paid in September 2023 only. And also got no dues certificate from them in my mail. After that it started showing zero.

 

[Dr.doom]

@Dr.doom when did u cleared the Paytm due

I cleared it in September 2023

 

[Vasuki]

I cleared it in September 2023

Take ur fd card & enjoy !
Is your 5th year starting

Which college

 

[shashankrt]

So will it stay on my cibil score record forever? Is there no way to remove it ? If there is then please help me out by pointing in right direction.

There is a section called "derogatory Status" in CIBIL report. Can you check if any of the items in that section is more than 0? Written off, Settled etc?

 

[Vasuki]

There is a section called "derogatory Status" in CIBIL report. Can you check if any of the items in that section is more than 0? Written off, Settled etc?

He shared look few message back

 

[Dr.doom]

Take ur fd card & enjoy !
Is your 5th year starting

Which college

No course completed, now in last month of paid internship. It will end this month. From next month I'm free man

 

[Dr.doom]

There is a section called "derogatory Status" in CIBIL report. Can you check if any of the items in that section is more than 0? Written off, Settled etc?

No it's everything as -- under everything.

 

[Pradumya]

Try OneCard, IDFC Wow
Make sure you don't spend more than 30% of the total limit at any point in time. You can't determine when will bank report to the bureau, so be on safer side and if possible keep it at 10% by repaying the same day of spending.

 

[Dr.doom]

There is a section called "derogatory Status" in CIBIL report. Can you check if any of the items in that section is more than 0? Written off, Settled etc?

It's like this. Everywhere it's - - nothing else. So am I in big trouble?

 

[Vasuki]

No course completed, now in last month of paid internship. It will end this month. From next month I'm free man

No
Free service compulsion?.
You joining hospital or pg prep

 

[Vasuki]

It's like this. Everywhere it's - - nothing else. So am I in big trouble?

Are bhai 😅
I told you you are good .
Not gonna repeat more 😂

 

[Dr.doom]

No
Free service compulsion?.
You joining hospital or pg prep

No. Why would be there ? Intership was basically free service itself. Mf paid less than what a begger earns.

Job for now. But will be giving neet pg too but I'm not sure what will happen.

 

[Vasuki]

No. Why would be there ? Intership was basically free service itself. Mf paid less than what a begger earns.

Job for now. But will be giving neet pg too but I'm not sure what will happen.

Some college now have compulsory service in rular area

 

[Sahilhenzy]

Naa its ok to have different opinions - also CIBIL reporting keeps changing and we as consumers are not always notified of changes in CIBIL reporting process for banks 😉

Yes, brother agreed. Maybe I'm wrong.

 

[Dr.doom]

Are bhai 😅
I told you you are good .
Not gonna repeat more 😂

Thanks a lot then. I'll research about fd based cc now.

Thanks again for all your help so far.

Btw are you doc too ?

 

[Vasuki]

Thanks a lot then. I'll research about fd based cc now.

Thanks again for all your help so far.

Btw are you doc too ?

In college .

 

[Dr.doom]

Some college now have compulsory service in rular area

My college itself was in rural area. So technically I've spent 5.5 yrs in rural 😭

 

[Dr.doom]

In college .

Which year ?

 

[Vasuki]

Which year ?

3rd & counting

 

[Dr.doom]

3rd & counting

Cool enjoy your life while you can. I've heard that life fucks hard after college from my seniors