Urgent help needed regarding cibil

[Sahil_07]

My cibil goes down by 94 points due to idfc bank loan account(Amazon Pay Later) reported a missing payment.
But I have not used Amazon Pay Later for a year now..After getting the credit cards,I have not used it even for a single time.And paid all my previous dues on time.Infact in last month I closed my Amazon Pay Later,if there is any pending due it could not be closed.

So please guide me,what to do now,I have never done any reporting,so I don't have any idea how will I recover my cibil, please help🙏🙏

 

[Vasuki]

Mazak kar rahe ho ya serious ho ya bank hi aisa hai kuch samajh nahi aa raha. You had a worst experience with IDFC Select right?😂

they corrected my report in 2 days , they self featched my cibil report from their end on call & did the correction .
Even though turn around time was 10 days
Because of cibil subscription I tracked it as soon as it got reported

 

[Sahil_07]

they corrected my report in 2 days , they self featched my cibil report from their end on call & did the correction .
Even though turn around time was 10 days
Because of cibil subscription I tracked it as soon as it got reported

what is the cost of cibil subscription?

 

[Vasuki]

what is the cost of cibil subscription?

600 for 6 month
1200 for 12
If u get 10 or 20% code if it work find out in threads

 

[yusuf646]

600 for 6 month
1200 for 12
If u get 10 or 20% code if it work find out in threads

But it's not necessary right. Even I don't have a CIBIL Subscription😅 & nowadays enquiries ke bhi SMS aa jate hai free me.

 

[yusuf646]

what is the cost of cibil subscription?

 

[Vasuki]

But it's not necessary right. Even I don't have CIBIL Subscription😅 & nowadays enquiries ke bhi SMS aa jate hai free me.

Yes it's not 👍 .
But if u on roll to get cc it's useful to track .5 day ago my
Cur was 29
Today it's zero 🙂

Sbi closed my cc in cibil within 5 days of closing card.

 

[yusuf646]

Yes it's not 👍 .
But if u on roll to get cc it's useful to track .5 day ago my
Cur was 29
Today it's zero 🙂

Sbi closed my cc in cibil within 5 days of closing card.

29% Credit Utilisation Ratio? How? You have multiple credit cards right? Itna bhi kya spend kar liye 🙂

 

[Vasuki]

29% Credit Utilisation Ratio? How? You have multiple credit cards right? Itna bhi kya spend kar liye 🙂

Axis reported 85 out of 90
Kotak 60 out of 65
Last month..I forgot about 30th reporting thing ...next month.
It's gonna be 5k sbi
As it's new card I didn't knew about date .

 

[Sahil_07]

My cibil goes down by 94 points due to idfc bank loan account(Amazon Pay Later) reported a missing payment.
But I have not used Amazon Pay Later for a year now..After getting the credit cards,I have not used it even for a single time.And paid all my previous dues on time.Infact in last month I closed my Amazon Pay Later,if there is any pending due it could not be closed.

So please guide me,what to do now,I have never done any reporting,so I don't have any idea how will I recover my cibil, please help🙏🙏

should I take cibil subscription? firstly? Idfc is telling me they will not consider 3rd party report, or should I write to pno or in X?

 

[Vasuki]

should I take cibil subscription? firstly? Idfc is telling me they will not consider 3rd party report, or should I write to pno or in X?

Isse kehte hai
Sone ka katora dedo phir v ____

@yusuf646

 

[Sahil_07]

Isse kehte hai
Sone ka katora dedo phir v ____

@yusuf646

I texted them in X,still they are saying to provide original cibil report

 

[Vasuki]

I texted them in X,still they are saying to provide original cibil report

That's why I said
Abuse them in such a way they call u today or tomorrow.
Tell them u won't share anything because u never did any wrong payment.
If you r reporting it wrong I will see you at Rbi ombudsman..
And watch how they call immediately


Already told you everything how it will plan out

 

[Sahil_07]

That's why I said
Abuse them in such a way they call u today or tomorrow.
Tell them u won't share anything because u never did any wrong payment.
If you r reporting it wrong I will see you at Rbi ombudsman..
And watch how they call immediately


Already told you everything how it will plan out

but is there any chance that report provided by onescore is wrong? Because in its reports as well as confirmed by call the loan account is already closed in April,so how can there be a default in May?

 

[Vasuki]

but is there any chance that report provided by onescore is wrong? Because in its reports as well as confirmed by call the loan account is already closed in April,so how can there be a default in May?

Sab baat khud he krlo
I told u to verify from other source too

About idfc they
Added
New loan after 6 month of account closer.so idfc is something I can't say anything about

 

[yusuf646]

I texted them in X,still they are saying to provide original cibil report

In case you don't want to choose violence😅 you can give them Experian report. You can get it for free from WhatsApp.

https://wa.link/eah5rv

Just send Hi & follow the next process. It's an official report so it'll be valid for them.

 

[Sahil_07]

Sab baat khud he krlo
I told u to verify from other source too

About idfc they
Added
New loan after 6 month of account closer.so idfc is something I can't say anything about

Just got the official cibil report from web site, they gave it freely,I just signed up and they gave free report, Maybe they are providing one free report to new users,now I can take action against idfc

 

[yusuf646]

Just got the official cibil report from web site, they gave it freely,I just signed up and they gave free report, Maybe they are providing one free report to new users,now I can take action against idfc

One report per year is free as per RBI Guidelines. Just check whether you got the latest report or not.

 

[Sahil_07]

One report per year is free as per RBI Guidelines. Just check whether you got the latest report or not.

got the latest, I called loan customer care and they told me to wait 21 days for correction. Should I take any further steps like writing in X, or mailing to Pno or even raise a dispute to rbi ombudsman? Please guide me,I was very tensed after my cibil got dropped by 90 points

 

[yusuf646]

got the latest, I called loan customer care and they told me to wait 21 days for correction. Should I take any further steps like writing in X, or mailing to Pno or even raise a dispute to rbi ombudsman? Please guide me,I was very tensed after my cibil got dropped by 90 points

Did they agree it's their fault, and that everything will be fixed in 21 days?

 

[Sahil_07]

Did they agree it's their fault, and that everything will be fixed in 21 days?