Cibil defaults wipe off?

[cardex]

When is this settlement likely to be erased from cibil? Or such defaults stay forever?

 

[ray8285]

Enquiries are never deleted. Its just that CIBIL stopped showing them and only showing last 3 years. I know if we get report from SBI homes website it shows all older enquires.

Strange. All places I subscribe to has stopped showing. So that led me believe that enquiries are now treated like DPDs on “active” accounts, the oldest one drop off / is “deleted” after 36 months onwards.

 

[ray8285]

Enquiries are never deleted. Its just that CIBIL stopped showing them and only showing last 3 years. I know if we get report from SBI homes website it shows all older enquires.

Also does checking checking score / giving consent to SBI homes to fetch cibil lead to an hard enquiry ? I’m asking as Sbi home is asking for consent to “run a credit check” when trying to check cibil there.

 

[tanujsheoran]

Also does checking checking score / giving consent to SBI homes to fetch cibil lead to an hard enquiry ? I’m asking as Sbi home is asking for consent to “run a credit check” when trying to check cibil there.

NO hard enquiry unless you apply home loan or credit card in SBI

 

[panu24]

Also does checking checking score / giving consent to SBI homes to fetch cibil lead to an hard enquiry ? I’m asking as Sbi home is asking for consent to “run a credit check” when trying to check cibil there.

No hard enquiry. Using it since months now.

 

[tanujsheoran]

Kcc card regular credit card jaisa hota h kya?

 

[deep@vie]

Kcc card regular credit card jaisa hota h kya?

One must have agricultural land in order to avail it.

 

[Md Kaif]

My HDFC due date was of yesterday (21st Sep) Bill generated was of approx ₹30000/- most of which I paid except for ₹14000/- which I intended to pay on the due date. But unfortunately I completely forgot about it yesterday. Upon remember today morning I immediately made the payment to the card and now it's shows '0' due. Will this one day miss appear in CIBIL? Will the bank charge me late fees or interest?

 

[deep@vie]

My HDFC due date was of yesterday (21st Sep) Bill generated was of approx ₹30000/- most of which I paid except for ₹14000/- which I intended to pay on the due date. But unfortunately I completely forgot about it yesterday. Upon remember today morning I immediately made the payment to the card and now it's shows '0' due. Will this one day miss appear in CIBIL? Will the bank charge me late fees or interest?

No, there's 3day grace period as well.
Even if it was settled on 24th. It won't be an issue.

 

[AlphaCAT]

My HDFC due date was of yesterday (21st Sep) Bill generated was of approx ₹30000/- most of which I paid except for ₹14000/- which I intended to pay on the due date. But unfortunately I completely forgot about it yesterday. Upon remember today morning I immediately made the payment to the card and now it's shows '0' due. Will this one day miss appear in CIBIL? Will the bank charge me late fees or interest?

No . All banks have 2-3 day margin .

 

[Md Kaif]

No, there's 3day grace period as well.
Even if it was settled on 24th. It won't be an issue.

No . All banks have 2-3 day margin .

Thanks.. that's a relief 😮‍💨

 

[deep@vie]

No . All banks have 2-3 day margin .

Yes, 3day grace period given by RBI so everyone has to follow it.