Removing Cibil hit for a late payment

[ankitfintech]

I have a HDFC credit card and I missed my payment of 200 Rs for April 2023. Obviously this late payment has affected my credit score and it dropped from 790-800 to 740-750. I have a credit history of 5 years.
I requested HDFC bank to remove this instance from Cibil reporting but HDFC is saying that they cannot do this and its not possible. I have read of some instances in this forum where people were able to remove such instances after requesting to bank. Also I can see some web articles saying the same -

How to Remove CC Late Payment Records from Credit Report

How to Remove CC Late Payment Records from Credit Report - Check Remove Late Payment Records of CC from Credit Report via Bankbazaar Website.

www.bankbazaar.com

How to Remove Late Payments from a Credit Report?

There are few ways by which you can get late payments removed from your credit report. Some popular and effective ways are by raising a dispute and penning a goodwill letter to the creditors.

www.creditmantri.com

My question to TF group is that has anybody been able to remove from HDFC bank or any other bank once it has been reported to Cibil. Or this is possible only before banks report to Cibil.

 

[kumudjain]

In the same boat 🙁

 

[binno]

i thought i paid the bill but didnt so made 4 days late after due date
will cibil affect ?

 

[rohankhurana77]

@binno did it affect?

 

[binno]

everything alright

 

[rohankhurana77]

did you get charged late fees though?

 

[binno]

did you get charged late fees though?

did charged but mailed hdfc and they reversed

 

[rohankhurana77]

both gst and fees?

 

[binno]

didn’t care for gst as fee was 500 only

 

[rohankhurana77]

Still wanted to know whether they gave gst back?

 

[binno]

wait bro 🥲😅

 

[binno]

Still wanted to know whether they gave gst back?

yes 90 charged as gst but not reversed

 

[rohankhurana77]

I had another reason so they charged me wrongly I asked them they removed both gst and fees. And also told since it was system error that put fees wrongly otherwise when we remove we don't remove the gst so just checking whether did they remove gst in your case.

 

[UDAYKUMAR]

I have a HDFC credit card and I missed my payment of 200 Rs for April 2023. Obviously this late payment has affected my credit score and it dropped from 790-800 to 740-750. I have a credit history of 5 years.
I requested HDFC bank to remove this instance from Cibil reporting but HDFC is saying that they cannot do this and its not possible. I have read of some instances in this forum where people were able to remove such instances after requesting to bank. Also I can see some web articles saying the same -

How to Remove CC Late Payment Records from Credit Report

How to Remove CC Late Payment Records from Credit Report - Check Remove Late Payment Records of CC from Credit Report via Bankbazaar Website.

www.bankbazaar.com

How to Remove Late Payments from a Credit Report?

There are few ways by which you can get late payments removed from your credit report. Some popular and effective ways are by raising a dispute and penning a goodwill letter to the creditors.

www.creditmantri.com

My question to TF group is that has anybody been able to remove from HDFC bank or any other bank once it has been reported to Cibil. Or this is possible only before banks report to Cibil.

They report it or not ?

 

[ray8285]

I have a HDFC credit card and I missed my payment of 200 Rs for April 2023. Obviously this late payment has affected my credit score and it dropped from 790-800 to 740-750. I have a credit history of 5 years.
I requested HDFC bank to remove this instance from Cibil reporting but HDFC is saying that they cannot do this and its not possible. I have read of some instances in this forum where people were able to remove such instances after requesting to bank. Also I can see some web articles saying the same -

How to Remove CC Late Payment Records from Credit Report

How to Remove CC Late Payment Records from Credit Report - Check Remove Late Payment Records of CC from Credit Report via Bankbazaar Website.

www.bankbazaar.com

How to Remove Late Payments from a Credit Report?

There are few ways by which you can get late payments removed from your credit report. Some popular and effective ways are by raising a dispute and penning a goodwill letter to the creditors.

www.creditmantri.com

My question to TF group is that has anybody been able to remove from HDFC bank or any other bank once it has been reported to Cibil. Or this is possible only before banks report to Cibil.

How many days was the payment late ? All lenders give a grace of 3 days even after the due date according to RBI guidelines.

I know SBI, AMEX & most lenders won’t remove a late DPD, especially once reported ! Some can be more lenient, some rigid when it comes to DPD / late payment reporting. In my case Kotak did not report a late payment few years back when I was late by well over 15 days, while Sbi had when I was late just by 4 days & did not remove it in spite of several emails and escalations, nothing worked. This was over three years back and has fallen off now from TU at least.

But this could have all changed now with the new RBI guidelines ..

 

[ankitfintech]

How many days was the payment late ? All lenders give a grace of 3 days even after the due date according to RBI guidelines.

I know SBI, AMEX & most lenders won’t remove a late DPD, especially once reported ! Some can be more lenient, some rigid when it comes to DPD / late payment reporting. In my case Kotak did not report a late payment few years back when I was late by well over 15 days, while Sbi had when I was late just by 4 days & did not remove it in spite of several emails and escalations, nothing worked. This was over three years back and has fallen off now from TU at least.

But this could have all changed now with the new RBI guidelines ..

I was late by 20-25 days.