Lazypay reported reversed cashback as overdue amount in Experian

[Anon1]

Overdue amount was reported from lazypay with 0 days (check attached screenshots), this overdue amount is mostly for cashback reversal which they have tricked us (knows lazypay users).

I have closed lazypay account on this month and also reflected as closed in cibil without any overdue amount.

Hence because of this overdue amount, my Experian score was dropped to 716 (checked on dec 16) from 835 ( checked on dec 15), I have requested lazypay to remove overdue but they denied.

Only change in my credit report within 1 days is - this overdue amount of lazypay only.

1. Any other way to bring back my Experian score to 835?
2. Is overdue amount impacts score ?

 

[Anon1]

I don't think 250 CB is problem. I also got Rs. 250 CB in August. Problem is Rs. 100 CB received in September.

Ok I have complained to RBI.

wat about your issue? Did u got any update from lazypay

 

[rp0703]

Got this mail

Thank you for writing in.

Sorry for the inconvenience caused.

We have raised your concern with our concerned team. We will get back to you shortly.

Thank you for your patience

Let's see what happens. Will complaint to RBI if didn't get satisfactory resolution.

 

[Rahul Gupta]

Then don't close wait for oct 31 update from payu to your credit reports and see if any overdue amount then ask them to remove and then close your account

but my due is still zero.

 

[Anon1]

Got this mail

Thank you for writing in.

Sorry for the inconvenience caused.

We have raised your concern with our concerned team. We will get back to you shortly.

Thank you for your patience

Let's see what happens. Will complaint to RBI if didn't get satisfactory resolution.

I got update from lazypay after RBI complaint, they have removed overdue amount and closed account was reflecting in Experian as well.

 

[rp0703]

I got update from lazypay after RBI complaint, they have removed overdue amount and closed account was reflecting in Experian as well.

Congratulations. Did you check the updated report?

Also who did you complaint against LazyPay or PayU Finance?

 

[Anon1]

Congratulations. Did you check the updated report?

Also who did you complaint against LazyPay or PayU Finance?

Yea checked updated report there is no overdue amount and account was closed.

Complaint was against PayU Finance India PVT Ltd

 

[rp0703]

Yea checked updated report there is no overdue amount and account was closed.

Complaint was against PayU Finance India PVT Ltd

Credit score changed?

 

[Anon1]

Credit score changed?

No it still same 716