Enquires across credit bureaus

[infinitememory]

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 shows the same.

Faced same issue in feb 2021 . After multiple follow ups , it was corrected in 2022 beginning .

 

[Vasuki]

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 shows the same.

Complain to rbi .

Better right soon else kotak won't give u card

 

[infinitememory]

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

First enquiry was done in 2019 . I still see that in my Experian report

 

[Vineet_]

Please anyone confirm enquiry is available only for 3 years in cibil transunion reports or its applicable to all credit bureau.

I can't see any removal except transunion all enquiry entries getting vanished automatically still crif, equifax , v3 experian reflects all credit enquiries.

 

[Vasuki]

Please anyone confirm enquiry is available only for 3 years in cibil transunion reports or its applicable to all credit bureau.

I can't see any removal except transunion still crif, equifax , v3 experian reflects all credit enquiries.

Find me a cibil hit for more than 3 year
I.e before 14 April 2021

 

[infinitememory]

Please anyone confirm enquiry is available only for 3 years in cibil transunion reports or its applicable to all credit bureau.

I can't see any removal except transunion all enquiry entries getting vanished automatically still crif, equifax , v3 experian reflects all credit enquiries.

Yes . You are right . Only in CIBIL enquiries get removed after 3 years

 

[Vineet_]

Find me a cibil hit for more than 3 year
I.e before 14 April 2021

For me not reflected now march 1st onwards is there any change in cibil transunion regulations.

I check all plateform like Amazon pay,gpay etc same reflected every where it's not showing more than 3 years enquiries.

 

[SSV]

Please anyone confirm enquiry is available only for 3 years in cibil transunion reports or its applicable to all credit bureau.

I can't see any removal except transunion all enquiry entries getting vanished automatically still crif, equifax , v3 experian reflects all credit enquiries.

they all will be there, but only last 3 years enquiries count for score calculation...
dont worry...

 

[Vineet_]

they all will be there, but only last 3 years enquiries only count for score calculation...
dont worry...

Thanks,

I believe Bank or any financial institutions can see more than 3 years hard enquiry records in transunion but not consumers .

 

[SSV]

Thanks,

I believe Bank or any financial institutions can see more than 3 years hard enquiry records in transunion but not consumers .

yes.. it is like a repository .. it contains all data...but only relevant data is only considered for calculation of score / decision making purposes...

 

[Kumar93196]

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.

Go to RBI ....

 

[Vasuki]

Go to RBI ....

Which gate no
Location

 

[SplendorSuperman]

Which gate no
Location

 

[Vasuki]

View attachment 49883

 

[SplendorSuperman]

View attachment 49886

 

[Vasuki]

View attachment 49887

 

[SplendorSuperman]

View attachment 49888

 

[Vasuki]

First enquiry was done in 2019 . I still see that in my Experian report

Not Experian cibil .

 

[vijay.vj]

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?

Just make sure you start with SBI cards... later on you will have issues.

 

[Vasuki]

Just make sure you start with SBI cards... later on you will have issues.

I will try my 3rd in sbi

IRCTC rupay ..no way I m getting sbi CB .
Better take 3 & sleep