Enquires across credit bureaus

[infinitememory]

I observed that the hard enquiries in CIBIL die out after 3 years.

As per my observation in Experian , Equifax the enquiry stays permanently .
Has anyone faced the same ?

 

[yusuf646]

I need at least a five year credit history to answer your question. Right now, I only have three years of history, so I'll get back to you with an answer in two years🙂

 

[Vasuki]

I need at least a five year credit history to answer your question. Right now, I only have three years of history, so I'll get back to you with an answer in two years🙂

True it decrease after exact 3 year of enquiry
I had x enquiry it became x-1

 

[yusuf646]

True it decrease after exact 3 year of enquiry
I had x enquiry it became x-1

By the way, if I want to get multiple credit cards, what should be the frequency of my inquiries? Can I apply for one every month? or should I wait for at least three months between applications?

 

[Vasuki]

By the way, if I want to get multiple credit cards, what should be the frequency of my inquiries? Can I apply for one every month? or should I wait for at least three months between applications?

Do as many as u want no problem even for amex

 

[yusuf646]

Do as many as u want no problem even for amex

I have 16 credit cards. My CIBIL score is 766, I have zero active loans, 8% utilization, and a history of 318 on-time payments with zero late payments over three years. But I am still ineligible for Jupiter CSB, and my applications for IndusInd Cards and Kotak Cards have been declined multiple times.

I am confused about what could be the reason. I have one enquiry every month. Could it be because of my enquiries Or it's because I have too many cards?

 

[Vasuki]

I have 16 credit cards. My CIBIL score is 766, I have zero active loans, 8% utilization, and a history of 318 on-time payments with zero late payments over three years. But I am still ineligible for Jupiter CSB, and my applications for IndusInd Cards and Kotak Cards have been declined multiple times.

I am confused about what could be the reason. I have one enquiry every month. Could it be because of my enquiries Or it's because I have too many cards?

Did u check service area for kotak & indus

 

[yusuf646]

Did u check service area for kotak & indus

I am not sure about IndusInd and CSB, but Kotak is serviceable in my pin code because my brother holds a Kotak League Platinum Credit Card. Both my brother and I have Kotak 811 Zero Balance Accounts. The pin code is Mangalore 575007.

 

[Kumar93196]

I can help you in getting indusind cc

 

[Kumar93196]

I have 16 credit cards. My CIBIL score is 766, I have zero active loans, 8% utilization, and a history of 318 on-time payments with zero late payments over three years. But I am still ineligible for Jupiter CSB, and my applications for IndusInd Cards and Kotak Cards have been declined multiple times.

I am confused about what could be the reason. I have one enquiry every month. Could it be because of my enquiries Or it's because I have too many cards?

I can help you in getting indusind cc

 

[SSV]

I have 16 credit cards. My CIBIL score is 766, I have zero active loans, 8% utilization, and a history of 318 on-time payments with zero late payments over three years. But I am still ineligible for Jupiter CSB, and my applications for IndusInd Cards and Kotak Cards have been declined multiple times.

I am confused about what could be the reason. I have one enquiry every month. Could it be because of my enquiries Or it's because I have too many cards?

I have 16 enquiries in the last 6 months with a score of 802 and 24 total accounts,.
Except for SC, and Federal bank for everything else no issues

 

[SSV]

And a very important point is:
Only in CIBIL, all enquiries are recorded…
In all other 3 bureaus, very few of total enquiries made by a customer are recorded..
very very strange

 

[yusuf646]

And a very important point is:
Only in CIBIL all enquiries are recorded…
In all other 3 bureaus, very few of total enquiries made by a customer are recorded..
very very strange

True 💯💯 My CIBIL report shows 4 recent inquiries, while Experian shows only 1. CRIF and Equifax show 0 enquiries.

 

[yusuf646]

I can help you in getting indusind cc

Can you confirm it's availability in my pincode 575007?

 

[Vasuki]

I am not sure about IndusInd and CSB, but Kotak is serviceable in my pin code because my brother holds a Kotak League Platinum Credit Card. Both my brother and I have Kotak 811 Zero Balance Accounts. The pin code is Mangalore 575007.

& Which kotak card u were trying to get
See some kotak cc have restricted service area.
Better try at metro city
Or check your Experian report if there is any mistake .

Can you confirm it's availability in my pincode 575007?

He will In few hours I guess

 

[Kumar93196]

Can you confirm it's availability in my pincode 575007?

Not serviceable in indusind bank /au bank/standard chartered Bank
It's serviceable in idfc.

 

[yusuf646]

Not serviceable in indusind bank /au bank/standard chartered Bank
It's serviceable in idfc.

Thank you for the confirmation. I don't have to waste my enquiries on IndusInd & AU anymore. By the way, I already have IDFC.

 

[yusuf646]

Which kotak card u were trying to get

I actually needed Kotak League Rupay & i tried applying for Kotak 811 & Kotak Myntra as well.

or check your Experian report if there is any mistake

There was incorrect reporting of a 58 day late payment to my Experian & CRIF from ZestMoney for February 2022. I raised multiple complaints to ZestMoney & Piramal Capital Finance (their lending partner) to fix it, and they always replied that it's fixed and will be updated in 3 months. As of now, it's updated in the Experian report, but the CRIF report still shows the same.

 

[Kumar93196]

I actually needed Kotak League Rupay & i tried applying for Kotak 811 & Kotak Myntra as well.


There was incorrect reporting of a 58 day late payment to my Experian & CRIF from ZestMoney for February 2022. I raised multiple complaints to ZestMoney & Piramal Capital Finance (their lending partner) to fix it, and they always replied that it's fixed and will be updated in 3 months. As of now, it's updated in the Experian report, but the CRIF report still the same.

Don't apply until the issue got resolved.

 

[yusuf646]

Don't apply until the issue got resolved.

Will the issue ever be resolved? It's already been more than 2 years. If I contact them again, they will still say corrections are done and it will be updated in 3 months.