CIBIL enquiry removal

[Patil007]

Axis and ICICI made personal loan enquiry on my CIBIL account without my knowledge.

Sent mail to both the customer cares.

ICICI said, they have asked all agencies to suppress that will be done in 10 days. 10 days over not yet done.

Axis is not ready to remove that enquiry.

Both the follow up period is now more than one month.

Should I complaint to RBI?

 

[abby]

I had taken a few interest free emis through zestmoney.. fo which the lender was capfloat, piramal and Aditya Birla.. though the loans were closed in dec/ jan it still showing as open in my cibil report.. what should I do to ensure it reflects correctly

 

[cr_1290]

Axis and ICICI made personal loan enquiry on my CIBIL account without my knowledge.

Sent mail to both the customer cares.

ICICI said, they have asked all agencies to suppress that will be done in 10 days. 10 days over not yet done.

Axis is not ready to remove that enquiry.

Both the follow up period is now more than one month.

Should I complaint to RBI?

Mine ICICI Bank Inquiry was removed within 20 days from the date of complaint.

Axis and ICICI made personal loan enquiry on my CIBIL account without my knowledge.

Sent mail to both the customer cares.

ICICI said, they have asked all agencies to suppress that will be done in 10 days. 10 days over not yet done.

Axis is not ready to remove that enquiry.

Both the follow up period is now more than one month.

Should I complaint to RBI?

 

[kgaurav00]

I refreshed my cibil report today and found that in first week of March, I checked eligibility for any LTF Tata Neu cards on Tata Neu app and there happened Cibil enquiry. As there was no LTF offering to me, I did not resume further. Can this HDFC Cibil enquiry be removed if asked to HDFC bank?

it's normal for HDFC bank, when you enter PAN+Mobile no + OTP immediately they hit your CIBIL. I already face this issue last year and no one getting ready to remove that enquiry CC to PNO. "They all replied me you enter OTP that means Credit Card application Journey started once Credit Journey started its hit your CIBIl automatically and ther are no way to remove that enquiry." Lastly i contact RM and told them whole situation they contacted Credit Card department and remove that enquiry.

 

[kgaurav00]

please ask the bank. also tell me what happens . i had also checked last week in app and stopped because no ltf. so maybe next month cibil report it will be there and i might need yo remove it.

If you enter PAN+OTP then its definitely hit your CIBIl.

 

[suhailmz]

I refreshed my cibil report today and found that in first week of March, I checked eligibility for any LTF Tata Neu cards on Tata Neu app and there happened Cibil enquiry. As there was no LTF offering to me, I did not resume further. Can this HDFC Cibil enquiry be removed if asked to HDFC bank?

It’s a genuine enquiry. You shouldn’t check eligibility if you’re bothered about CIBIL hits.

 

[abby]

I had taken a few interest free emis through zestmoney.. fo which the lender was capfloat, piramal and Aditya Birla.. though the loans were closed in dec/ jan it still showing as open in my cibil report.. what should I do to ensure it reflects correctly

Any thoughts

 

[Anil_Singh]

Any thoughts

Contact zestmoney via Twitter

 

[Strange]

I had taken a few interest free emis through zestmoney.. fo which the lender was capfloat, piramal and Aditya Birla.. though the loans were closed in dec/ jan it still showing as open in my cibil report.. what should I do to ensure it reflects correctly

Zest money support is pathetic. First email Zest Money to provide NOC of these loan accounts also email your lenders and zest money to close these loan account in all credit bureaus.

 

[federer.reddevil]

And this is how you remove CIBIL enquiry by escalating to RBI 🙂

1. Successfully removed 4 enquiries from PNB
2. One from HDFC - have shared snapshot on another thread

Key is - following proper escalation channel and dropping notes which is right on Bank's face.

View attachment 11353

How to remove the Cibil enquiries from PNB I tried applying for Credit Card it failed multiple times and generated multiple Cibil hits

 

[Riteshgpt60]

I refreshed my cibil report today and found that in first week of March, I checked eligibility for any LTF Tata Neu cards on Tata Neu app and there happened Cibil enquiry. As there was no LTF offering to me, I did not resume further. Can this HDFC Cibil enquiry be removed if asked to HDFC bank?

Yes, you can request hdfc bank to remove it.
I have successfully remove the enquiry after sending full report with control number from cibil to hdfc

 

[Riteshgpt60]

please ask the bank. also tell me what happens . i had also checked last week in app and stopped because no ltf. so maybe next month cibil report it will be there and i might need yo remove it.

Just send email to grievance cc team, they removed it and after 45 days, it was gone from the cibil.

 

[mnh007786]

How to remove freecharge pay later, karur vyasa, and cap float laon account in mu cibil report. I am not using anyone. I just use amazon pay later and freecharge pay later. I closed both account but still showing and other one also.

 

[krishc]

it's normal for HDFC bank, when you enter PAN+Mobile no + OTP immediately they hit your CIBIL. I already face this issue last year and no one getting ready to remove that enquiry CC to PNO. "They all replied me you enter OTP that means Credit Card application Journey started once Credit Journey started its hit your CIBIl automatically and ther are no way to remove that enquiry." Lastly i contact RM and told them whole situation they contacted Credit Card department and remove that enquiry.

yes, not only HDFC
most online applications of banks are like this only
CIBIL gets hit as soon as you enter Mobile+PAN+OTP
no bother about serviceable area, basic eligibility etc

 

[federer.reddevil]

How to remove freecharge pay later, karur vyasa, and cap float laon account in mu cibil report. I am not using anyone. I just use amazon pay later and freecharge pay later. I closed both account but still showing and other one also.

Karur Vysya and Capfloat loan is Amazon Pay later whereas freecharge is freecharge first close both accounts once you have done that get NOC from lender in Amazon case it is Axio whereas I am not sure who to contact for Freecharge then if after 45-60 days its not showing as closed you can mail Cibil with the NOC I think

 

[cr_1290]

How to remove freecharge pay later, karur vyasa, and cap float laon account in mu cibil report. I am not using anyone. I just use amazon pay later and freecharge pay later. I closed both account but still showing and other one also.

If closed & received noc then Wait for 2 months.

 

[Rahul Gupta]

Karur Vysya and Capfloat loan is Amazon Pay later whereas freecharge is freecharge first close both accounts once you have done that get NOC from lender in Amazon case it is Axio whereas I am not sure who to contact for Freecharge then if after 45-60 days its not showing as closed you can mail Cibil with the NOC I think

In freecharge its axis.

 

[Patil007]

Axis closed my request and on RBI, it is showing closure:

Section 16(2)(a) in The Reserve Bank of India General Regulations, 1949
(a) the power to sanction or incur any expenditure on behalf of the Bank shall be subject to Rules made by the Central Board;

 

[Patil007]

 

[panu24]

Did you figure out what that RBI reply mean? Will enquiry be removed soon by Axis?

 

[Patil007]

Did you figure out what that RBI reply mean? Will enquiry be removed soon by Axis?

No, they will not remove as I got mail from Axis that they will not remove it.

"the said enquiry has been found in our record, so it will not be suppressed from the CIBIL"