Help regarding CIBIL REPORTING

[Md_]

Hello Guys,

I am posting this thread to ask some of my questions regarding cibil

Yaa, so let's start

I am having total of 5 loans out of which 4 are consumer durable and 1 is personal loan

Hdfc bank (Consumer durable) taken in 2023 November.... It was reported to experian but not in cibil till now

Hdfc bank (consumer durable/cross sell) taken on same date as above 2023 November... It was reported to experian but not in cibil

Hdb Financial services (consumer durable) taken on 2024 October... It was same reported to experian but not in cibil

Idfc bank (personal loan) taken in 2024 November.... It was also reported to experian and not in cibil

Bajaj finserv (consumer durable) it was reported to both


So, why the first 4 loans are not reported to cibil , as already 4-5 emi for Idfc and hdb and hdfc bank 16 emi are done

And what should I do to bring this loan in cibil... As adding up will increase my credit age account and increase number of timely payment


Currently my only Bajaj finserv loan is showing in cibil and all 5 in experian

 

[Anil_SinghAnil_Singh is verified member.]

You should either mail them or call customer care and get it rectified as soon as possible.

 

[Fini7777]

Hello Guys,

I am posting this thread to ask some of my questions regarding cibil

Yaa, so let's start

I am having total of 5 loans out of which 4 are consumer durable and 1 is personal loan

Hdfc bank (Consumer durable) taken in 2023 November.... It was reported to experian but not in cibil till now

Hdfc bank (consumer durable/cross sell) taken on same date as above 2023 November... It was reported to experian but not in cibil

Hdb Financial services (consumer durable) taken on 2024 October... It was same reported to experian but not in cibil

Idfc bank (personal loan) taken in 2024 November.... It was also reported to experian and not in cibil

Bajaj finserv (consumer durable) it was reported to both


So, why the first 4 loans are not reported to cibil , as already 4-5 emi for Idfc and hdb and hdfc bank 16 emi are done

And what should I do to bring this loan in cibil... As adding up will increase my credit age account and increase number of timely payment


Currently my only Bajaj finserv loan is showing in cibil and all 5 in experian

what you can do is:

First Contact the Lenders

• Raise a service request with their customer support to confirm whether they report to CIBIL.
• Ask them to manually update CIBIL for your loan accounts.
• Use the term: "My loan account is not reflecting in CIBIL. Kindly ensure it is reported to all bureaus, including CIBIL."

Raise a CIBIL Dispute

• If the lender confirms that they have already reported your loan to CIBIL, but it’s still not visible:
• Visit the CIBIL dispute resolution page and submit a request.
• Attach any proof of loan details (loan agreement, payment receipts, Experian report).
• Check whether these loans are showing in CRIF High Mark or Equifax.
• If they are visible there, it confirms that the lender reports to some bureaus but not CIBIL.

If they delay or deny, raise a complaint with RBI Ombudsman if necessary. There are clear Guidelines about this.

Mark this as solution if your query is resolved

 

[Md_]

Thank you soo much bro i will mail them and let you guys know