Request to review my CIBIL

[rdargar]

My CIBIL shows my loan history but still the score is 0 , god knows why.
Will the community please review and comment
My Experian is : 750+

Please also let me know if I have leaked any senitive info so that I can re-edit the report and reupload.
Update : Report removed courtsey @n00b sharing me the risks of sharing docs.

 

[rdargar]

@Wealth is my birth right! @RewardsAlert @vaibhav111 @TechnoFino @Alwàys_Bélîevé_Yøursélf🎯 Any insights will be appreciated

 

[RupayMan]

Did you check in onescore app? Cross verify once with multiple channels, onescore can tell u what's wrong in your CIBIL.

 

[zaid_2913]

My CIBIL shows my loan history but still the score is 0 , god knows why.
Will the community please review and comment

CIBIL considers last 3 years history for calculations, Since your accounts are closed in 2019 and no activity from last 3 years no score is generated.

 

[Golu Rza]

Very good

 

[vaibhav111vaibhav111 is verified member.]

In last 3 yr there is no activity that why.

 

[rdargar]

In last 3 yr there is no activity that why.

So CIBIL get reset every 3 Years ? Means I should keep getting loans 😕

 

[RupayMan]

So CIBIL get reset every 3 Years ? Means I should keep getting loans 😕

Yes Unsecured loan in the form of Credit card, open a bank account which come like zero balance and maintain along with a LTF credit card or even with paid in case LTF not available due to your current Cibil, it's fine, build your CIBIL.

 

[rdargar]

Yes Unsecured loan in the form of Credit card, open a bank account which come like zero balance and maintain along with a LTF credit card or even with paid in case LTF not available due to your current Cibil, it's fine, build your CIBIL.

Thanks for your advice. I don't think any bank will give me unsecured now.

 

[RupayMan]

Thanks for your advice. I don't think any bank will give me unsecured now.

But you need one, secured card is waste to build cibil. That's why told to open a banking account that gives credit card preference for their customers like kotak or Axis.. Reach them in person, don't apply via online, instant rejection.

 

[n00b]

My CIBIL shows my loan history but still the score is 0 , god knows why.
Will the community please review and comment

Please also let me know if I have leaked any senitive info so that I can re-edit the report and reupload.

PDF editing is useless. It's not like editing an image. Sensitive information can always be obtained.

eg. Here's your info Name RXXXX SXXXX Control Number : 562XXXXX76 (I have masked it)

While I am uninterested in the information. I just wanted to let everyone know. If you are sharing sensitive information, please take a screen shot of the document and then edit it before uploading it anywhere.

 

[vaibhav111vaibhav111 is verified member.]

So CIBIL get reset every 3 Years ? Means I should keep getting loans 😕

It not reset it like the loan was closed so how can it keep contribute to your cibil get a cc secured/unsecured LTF is also possible a friend of mine had minus 1 cibil score he applied for job in icici and he ran a cibil score through icici for employee so bank does give their employee card and he got 2 lakhs limit and his ciibl is now 830. If not possible take idfc 10k mab saving account and wow unsecured card

 

[rdargar]

PDF editing is useless. It's not like editing an image. Sensitive information can always be obtained.

eg. Here's your info Name RXXXX SXXXX Control Number : 562XXXXX76 (I have masked it)

While I am uninterested in the information. I just wanted to let everyone know. If you are sharing sensitive information, please take a screen shot of the document and then edit it before uploading it anywhere.

Thanks for your response man. Appreciate you guiding me to how to share documents. BTW I used the print to PDF option to be sure that it can't be viewed , but I think it also leaves loopholes

 

[rdargar]

But you need one, secured card is waste to build cibil. That's why told to open a banking account that gives credit card preference for their customers like kotak or Axis.. Reach them in person, don't apply via online, instant rejection.

But you need one, secured card is waste to build cibil. That's why told to open a banking account that gives credit card preference for their customers like kotak or Axis.. Reach them in person, don't apply via online, instant rejection.

Could you please take time to read https://www.technofino.in/community/threads/is-this-route-for-magnus-good.9540/ and comment if it can be a good way?

 

[rdargar]

It not reset it like the loan was closed so how can it keep contribute to your cibil get a cc secured/unsecured LTF is also possible a friend of mine had minus 1 cibil score he applied for job in icici and he ran a cibil score through icici for employee so bank does give their employee card and he got 2 lakhs limit and his ciibl is now 830. If not possible take idfc 10k mab saving account and wow unsecured card

I have a secured Credit Line with ICICI for my business availed in Jan. I assume my score will start improving once it gets listed in CIBIL .

1. And when the loan gets reflected will there be sudden hike in CIBIL or it will take time ?
2. How much time ICICI take to get the loan reflected?
3. Till the time also getting a credit card improved my CIBIL or not much marginal improvement , because I afraid when I aply it will trigger a already poor CIBIL.

 

[n00b]

Thanks for your response man. Appreciate you guiding me to how to share documents. BTW I used the print to PDF option to be sure that it can't be viewed , but I think it also leaves loopholes

I recommend this extension because it allows you to edit the webpage and remove sensitive information before printing and saving it as a pdf.

Content Edit & Blur

Easily edit, replace or blur elements on any webpage

chrome.google.com

 

[vaibhav111vaibhav111 is verified member.]

I have a secured Credit Line with ICICI for my business availed in Jan. I assume my score will start improving once it gets listed in CIBIL .

1. And when the loan gets reflected will there be sudden hike in CIBIL or it will take time ?
2. How much time ICICI take to get the loan reflected?
3. Till the time also getting a credit card improved my CIBIL or not much marginal improvement , because I afraid when I aply it will trigger an already poor CIBIL.

It can take 2 month just to see Icici 1 month of loan mentioned in your CIBIL and Upto 6 months for any positive change in your CIBIL. If you can open a saving account and park some money pre approved from the bank will be for best approval and no rejection cause CIBIL doesn’t need to be trigger and use for your daily need and payment on time and it will start to improve in 6 months and then apply for new card after 8 to 12 months depending on CIBIL score if needed if not wait for 1 year completion

 

[rdargar]

It can take 2 month just to see Icici 1 month of loan mentioned in your CIBIL and Upto 6 months for any positive change in your CIBIL. If you can open a saving account and park some money pre approved from the bank will be for best approval and no rejection cause CIBIL doesn’t need to be trigger and use for your daily need and payment on time and it will start to improve in 6 months and then apply for new card after 8 to 12 months depending on CIBIL score if needed if not wait for 1 year completion

The loan is not not for 1 moth but an indefinite credit line.
Will I get Axis Select pre approved with burgundy or cibil will still be checked?

 

[vaibhav111vaibhav111 is verified member.]

The loan is not not for 1 moth but an indefinite credit line.
Will I get Axis Select pre approved with burgundy or cibil will still be checked?

Will I get Axis Select pre approved with burgundy or cibil will still be checked? - no ciibil hit for pre-apporved offer after you a own a high variant account and you will get select cc LTF as long you hold burgundy in axis.