Check Your CIBIL Credit Score & Credit Information Report Online

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at skukreja@investitude.co.in

This is the 3rd post in a series of posts covering CIBIL Credit Information Report and CIBIL Credit Score. You can access the earlier two posts here:

CIBIL TransUnion credit score – role in a loan application process

CIBIL Credit Information Report

By now, you must have become well versed with the contents of a Credit Information Report and the significance of a credit score. Now it is time to know how you can access your report and know what your credit score is.

You can access your CIBIL TransUnion Score along with the full Credit Information Report for a nominal fee of Rs. 470. You are just required to fill a request form with some basic details like Name, Address, Date of Birth, Gender, Contact Details etc. and keep the self-attested copies of your Identity Proof and Address Proof ready.

You can see the application here.

Online payments can be made either through Net Banking platform of a bank or through a debit card/credit card/cash card. The net banking facility is available with 33 banks as of now. You will get a unique CIBIL registration ID and transaction ID as a confirmation on successful completion of your online payment. After the payment is made, you need to answer 3-5 questions about any of your loans or credit cards to authenticate your application. You’ll then be required to provide the soft copies of your identity proof and address proof.

If your application gets authenticated, you’ll receive your credit score and CIR in your e-mail in about 2-4 days. However, if the authentication fails, you need to take a printout of the receipt for online payment and mail it to the below mentioned CIBIL address along with your proofs.

Consumer Relations: Credit Information Bureau (India) Limited,
Hoechst House, 6th Floor, 193 Backbay Reclamation,
Nariman Point, Mumbai 400 021, India.
Tel.: 022 61404300, email: info@cibil.com

Offline Application

If you decide against going online, then you will have to take a printout of the application form, duly fill it and get a Demand Draft (DD) made worth Rs. 470. Again attach the copies of your identity and address proofs along and send it to the above mentioned address.

Also, if you wish to purchase only your Credit Information Report, then you can do so by having a DD of just Rs. 154 and follow the above mentioned process. But, in that case, the process would be offline only because there is no provision to get it online without asking for your credit score.

You also need to sign the form in order to confirm your requests. Note that the address proof (except passport) – bank statement, telephone bill, electricity bill or credit card statement should not be more than 3 months old and should be in your name matching with your name in your loan/credit card account or on your PAN card (if you do not have any loan or credit card).
Like many of us undergo physical health check-ups, I think one should get his or her credit score checked at least once a year. It will keep you aware of your credit health and make you take necessary steps to correct it whenever required.

So what are you waiting for now? Just visit the CIBIL website and get your score checked. I’m sure there will be many surprises in store for many of us. Just share your score and experiences here with us so that we have a platform to understand these things in more detail.

645 thoughts on “Check Your CIBIL Credit Score & Credit Information Report Online

  1. At least one credit report should be sent to the person per year as in US. Else people will not be aware of the errors and errors will keep on propagating.

    When I was telling my friends about credit score and CIBIL, they were like – Its only in US and it is not in India – Remember, these are people who are in 20+ % tax bracket. Awareness should be created about credit scores and sending a free report will bring in mass publicity at very low cost.

    1. Hi Paul… I agree with you that they should share the report with people at least once a year free of charges but, at the same time, only with people who have some kind of credit history. There are a lot of factors which differentiates India and the developed economies like US.

      First of all, things are yet to become systematic in India like in the west and awareness among people is quite low. People in US have “Social Security Numbers” and there are many other things to get their data at a single click. Here in India, I dont know how many different kinds of cards/numbers/KYCs we need to carry and how useful these things are to get an individual’s data.

      Secondly, as compared to US, a very small no. of people in India take loans or live their lives on credits. My guess is out of 100 people, only 1 or 2 people would have a credit history in India. So, I think, issuing credit report to the rest 98-99 people would be a waste of time, money & resources.

      Manshu left a comment in the first CIBIL post informing us that only credit report is issued free of charges in US and not the credit score. In India, the cost of getting your CIR only is very nominal i.e. Rs. 154, which is cheaper than a movie ticket, at least in Delhi/NCR. So if somebody really wants to check his/her credit score, spending this much money is not a big deal.

      1. Hi Shiv,

        My point is to spread awareness credit rating companies should send an individual letter to people with whom they have record.

        The people who have credit are also not aware of a credit score – especially even people working in IT/Post Graduates – they seems so detached from all these. They spend on credit cards, never pay back, switch jobs, cut cards without paying up – and finally end up with the worst credit score.

        Even banks wont tell(atleast here in south) that there is a credit reporting agency who keeps record of your repayment.

        The amount for credit report is peanuts, but who will take the first step. A free report (on first inclusion to credit info records) will help spread the message – We are watching you!

        1. Hi Paul… I agree with your point. There are a lot of things which Govt./RBI/Banks/CIBIL need to do with regards to awareness about all these things but I dont know why things move at such a slow speed in India. Policy formation & implementation is such a messy task here in India.

          There has been a lot of noise about fresh banking licenses for quite a long time now. A few days back Govt. issued statements that the current economic situation is not encouraging and they dont see any merit in issuing fresh licenses. Instead of taking 100 steps forward, they take 1 step forward and 5 steps backwards.

          My suggestion to everybody would be to become financially aware independently, remain clean as far as your credit history is concerned, dont depend on somebody to do something out of the box for you and keep moving. If you remain disciplined then you dont need anybody’s favours. I think RBI is one of the best banking regulator globally and CIBIL and RBI should take initiatives to spread awareness about the same.

  2. Hi Shiv

    Thanks for the next part of the series.

    Actually I was asking for this information in your previous part of the series. Really you are writing a wonderful series, useful for all those who want to take loan from banks and other financial institutions.

    You explained even the minute details required, to apply for the CIBIL credit score. Thanks

  3. Gone through your article. Just checked the CIBIL score paying an amount of Rs.470/-. The Cibil Trans Union score has been mentioned as “823” on a scale of 300 to 900. Howmuch is supposed to be “GOOD”? In some columns in the CIR, DPD(Days past due) has been mentioned as XXX. What is this? Majority of columns DPD is “000”. Can it be elaborated a bit?

    1. Hi Srinivas… Your score of 823 out of 900 is a very healthy score. Usually a score of 750 or more is considered a good score. Banks would feel quite comfortable to sanction a loan or issue a credit card with your score.

      “DPD or Days Past Due” indicates the no. of days by which a due payment has been delayed after the “due date of payment”. e.g. Due date of payment was August 2nd and it is still unpaid today on August 17th, then DPD is 015.

      “000” implies that the payments have been made before the due date of payment in those months. “XXX” implies that information for these months has not been reported by the banks to CIBIL.

      To understand your CIR in more detail, please check the previous post:

      http://www.onemint.com/2012/08/03/cibil-credit-information-report/

      1. Thanks SHIV. You are so prompt. Just one more question!! In the CIR under “Employment Information”, “INCOME” AND “INCOME INDICATOR” have been mentioned. Where did this information come from to CIBIL? Is it what we declare at the time of applying for credit cards or loans etc., or the income is taken from TAx returns or any other source?

        1. Thanks Srinivas! You may ask as many questions as you like, no problems there.

          Income information is provided by the banks to CIBIL as per your income documents like Form 16 or ITR or Salary Slips or as per the info filled by you in the application form.

          1. Very informative article and discussions. Sometimes it happens that a particular credit is no longer outstanding but remains in the cibil data as was in my case. . Who is responsible cibil or the lendor for this type of blunder. This also throws questions on the authenticity of the reports. Any comments.

            1. Hi Sandy… Lenders will be responsible for most of such mistakes. CIBIL is just the repository of credit information and credit reports carry only factual information. Human errors happen and cannot be eliminated.

  4. hello,Shiv sir, I had a HDFC credit card which is into settlement now, and when I am applying any other credit card it getting rejected, please help how to check the details and will my CIBIL b updated after paying the settle ment amount????

    1. Hi Shakti, please dont address me as Shiv sir, I’m a common man like you only.

      Yes it is highly likely that your application for a new credit card is getting rejected due to your past settlement row with the HDFC Bank. You can get access to your Credit Information Report and CIBIL Credit Score by following the above mentioned process. Applying online, you’ll get your CIR within 2-4 days in which you’ll get all the details about your credit history.

      Also, once you pay off the settlement amount to the HDFC Bank it’ll get updated with CIBIL within 30-60 days. My advice to you is don’t go for a partial settlement with the bank. A partial settlement will leave a negative impact on your credit score, either pay it off completely or if you think your stand is right, then approach banking ombudsman against the bank for a clean settlement.

  5. Hello Shiv,

    Good information that you are sharing with everybody.

    I have taken the CIR Report online and see that I have some settlements which were done 2-3 years back. I have all the letters provided by the Banks. They were around 5 Credit Cards and 1 PL. Due to some issues, I could not pay on time. But I have cleared all of them and have been provided with Settlement letters and in some has been mentioned that it will be updated in CIBIL report in 45-60 days. But it has already past 1 year and nothing has happened. Now if I apply for a loan it is getting rejected.

    Could you please guide me how I can get my name cleared in CIBIL. I have been maintaining my bank accounts very well and my 2-wheeler loans as well. I assume that the score need for a Loan is above 750. Is that Correct.

    Also can I contact Bank Ombudsman. Will they be able to clear my Name ?

    Thanks !

    1. Hi… If you got your loans “settled” then it might have resulted in a negative score for you. But if you think your stand was right most of the times, then I think you need not approach the ombudsman as of now. Please check these links:

      http://www.cibil.com/consumer-dispute-resolution
      http://www.cibil.com/faq/dispute-consumer
      https://www.cibil.com/online/file-consumer-dispute.do

      Just fill & submit the “Online Dispute Form” and relax for the next 30 days. CIBIL will do its work and get back to you in some time. Though very unlikely, in case CIBIL is not able to resolve your dispute, you can consider approaching the respective banks and/or taking further action. Approaching the ombudsman should be the last thing in your list of actions.

      1. Thank You for the Quick Response. Let me give it a try through the links that you have provided. Hope everything works out fine. Thanks once again.

          1. Hello Shiv,

            I have received my CIBIL score and it is 819. However, I am still not receiving any Loans. I had applied for a loan and it was rejected.

            I think the score is good but I still see that for some Credit cards it is mentioned as settled or WO and that is the reason that I am not getting any loans.

            Anything that I can do to get this corrected.

            Thanks !

            1. Hi Srinivas… WO is “Written-Off”. Both Settled and Written-Off are considered as the negative factors in your loan approval. Contact the lender, show your report to the lender and get it rectified in your report. If the demand is genuine, then try to pay it off and get the report updated.

  6. Hi Shiv,
    Suppose I have a credit card with Rs. 1 lakh credit limit.

    Case 1 : –
    I spend Rs. 30K on the card. The billing date is 15th of the month. I repaid the entire amount on 14th and the billed amount to me is Rs.0/-
    Case 2:-
    I spend Rs.30K on card. The bill was generated for same amount on 15th with payment due date of 30th. Repaid full amount on 30th.
    Case 3:-
    Not using a credit card you own(Missing convenience,cash rolling and interest earned-though meager)

    Which is the best way to improve credit credit score? Case 1, case 2 or case 3.
    Also is Case 1 and 2 looks same when it comes to credit scores?

    1. Hi Paul… I dont know the deep scientific process of CIBIL score as far as case 1 & case 2 are concerned but to me both look very similar and logically should enhance your score with a positive bias towards case 1 i.e. paying your bill well before the last due date.

      Case 3 is a bit unique thing. Not using it at all should not improve your score ideally as they would think the card might have been destroyed by you or you have forgotten about it after keeping it in your locker. But using it very very occasionally and paying it well on time should improve your score in a very healthy manner. I hope it makes sense to you what I want to say!

  7. sir,

    I have settled my credit card payment twoyears back,recently i have applied for ICICI credit card, which was rejected due to CIBIL rating. How can i know my CIBIL rating now.

    pls help

  8. Hi Shiv.
    greetings of the day
    there are 3 loan cases of house hold items from bajaj finance and I have the NOC and one credit card of HDFC which I settled in 2007. How can I convert my bad CIBIL report to good one.

    regards

    ashok

  9. Hi…
    Its an wonderful post !
    I recently checked my CIBIL report and I have few questions regarding it …

    1. I had taken an education loan in 2005 from SBI and closed it in june,2010.I have the closure document as well but in the report the status does not show closed.

    2. My income is very wrongly quoted in the report.They have forgotten to add a zero 🙂

    My score has become below 700.I have no default history.I have never made a single late payment and my credit cards are almost unused.

    Do you think the above 2 points have led to the problem?

    What am I supposed to do ?Once corrected how will it take to improve my score.

    Thanks !

    1. Hi Amit… Yes, it is very much possible that these two points are negatively impacting your credit score. I think you should make a Dispute Resolution Request to CIBIL for the same – https://www.cibil.com/online/ManageDisputeDetailsAction.do?action=showDisputePage

      It takes 30 days for CIBIL and the respective lender(s) to process this request. Once corrected, it should take 45-60 days for your CIBIL report to get updated.

      Please check this post for more info about it – http://www.onemint.com/2012/09/14/cibil-dispute-resolution-process-rectification-of-discrepancies-in-credit-report/

  10. Hi Shiv, I have taken a CBIL Report by paying Rs.154 (approx) about 2 yrs back. Report did not mention the score. When i tried calling CBIL office. they mention i should contact Bank for the score details. Is it true ? Is there any other way to know my score ?

    1. Hi Tadikonda… There are 2 versions of CIBIL Credit Information Report (CIR) – one with CIBIL credit score and the other one, without it. With score, it is charged Rs. 470 as of now and without score it is Rs. 154. If you want to check your score, go for the one which costs Rs. 470. No bank would be able to provide you this report.

  11. MY CIBIL Score is 565. I Had 3 crdit cards out of which I had made Full payment for the credit card from HDFC and ICICI but still the Bank has shown my report as settled in CIBIL. I had not made any partial payment. How Can i get the same rectified. Also the 3rd credit card belongs to CITI BANK which I have never taken from them but still they have shared the same under my name as Written off. Now I am unable to get any Loan or credit card from other Banks as all are getting rejected . Please help as to how can i get my CIBIl score improved.

    1. Hi Jyoti… To save your time, you should approach CIBIL first with your Dispute Resolution Request. Check out this post to know how you could do that.

      If it fails to resolve your dispute, then I think you need to contact/approach all the 3 banks and make sure their demands are unjustified. Check with HDFC and ICICI why they have qualified your account as ‘Settled’ despite making full payment against the charges.

      Check with Citi the details of the credit card and at which all locations the credit card got used, if at all. If all this fails to resolve your problems, you can still approach the banking ombudsman.

  12. Hi Shiv,

    I had personal loan from icici bank and paid all the payment and CURRENT BALANCE -ZERO now.

    My payment history in the cibil report starts from 09-2008 to 08 -2011 (36 months). In between these 36 months I have DPD as 025 for 6 months. Will this dpd will be removed from my report in future? How it will be removed since I have already paid the full amount and there is notthing to pay and remove this dpd from my report.

    my current score is 834 but when i applied for another personal loan in dec 2011, it was rejected at 2 banks. I thought anything above 750+ score is good for banks to approve. I still don’t understand the reason for rejection.

    Pls advise.

    1. Hi flower… CIBIL is a safekeeper of your info and is required to maintain all the records in its exisiting form for a minimum period of 7 years. DPD (Days Past Due) of 025 (25 days) is a factual information and though you have fully paid your personal loan now, it will remain there in your report for the next 7 years. CIBIL does not remove these details, even if you desire so.

      But, 834 is a good score and there could be some other reasons also for the banks’ rejection of your loan application. Did you check it with the banks their reason for the loan rejection? If they tell you it is due to your negative CIBIL report then I think it is due to your late payments on the 6 or more occasions out of those 36 months.

  13. hello maine hsbc ka credit card liya tha uska sattelment aadhe bill me karke payment de diya tha abhi maine dusre card ke liye apply kiya to reject ho gaya to kya karna chahiye pls bataye thank you

    1. Hi Bharat… Settlement aapke CIBIL score ko negatively affect karta hai. Apne score ko improve karne ke liye aapko HSBC card ka remaining payment karna hoga ya phir ombudsman mein appeal karni hogi. Uske baad bhi koi guarantee nahin hai ki aapko doosra credit card issue ho jaayega. But at least aapki credit history thodi clean ho jaayegi.

  14. Hi Shiv,
    I have settled 3 credit cards for some amount with bank(Not paid total amount).that is the only negetinve thing to my credit history as of now rest all transactions are good.
    Now I am planning to go for Home Loan,Does that settlement effect my Home loan approval?

    1. Hi Suresh… Both of your queries are difficult to answer. There is no fixed criteria defined as such as far as your minimum credit score is concerned. A score of 750+ is concerned good but it is no way a guarantee to get a home loan or any other loan. Also, your credit score is not the only deciding factor for the banks to sanction you a loan. There are other factors also like your income, the income-expense ratio, the loan to value ratio, the tenure of the loan etc.

      All the banks have their own parameters and policies to sanction a loan and it is not possible for us to analyse which bank has soft policies towards a low score applicant.

  15. Hi Shiv

    Thanks a lot for the information. I have registered online and paid Rs.470 in the cibil website. But due to some wrong input I couldn’t receive the details instantly,however I am awaiting the same to reach me by post and i wish to share the same with everyone of how can i clear all my issues with cibil.

    Thanks Again for the info

  16. Dear Shiv,

    I went through most of the above posts and they are very informative. I am in the process of of a home loan application and awaiting my CIBIL report.

    I have a good credit record for last 3.5 years with no negatives as far as I can think. However, I had personal loan payment delays and late fees on credit cards during 2005 to 2007. I have paid all the outstanding dues in full during the closure period and should not have any current outstanding other than a well maintained credit card.

    While I am yet to receive my credit scores, do you think my poor records during 2005 – 2007 can influence againt this loan approval even though I had settled dues during 2008 and have been maintaining all transactions very well since last 3.5 years.

    I had also applied for another credit card a year ago from another bank and had received the same as well (Well maintained too)

    Also, even if I get a decent credit score of 700 +, do you also think other factors like an excellent monthly income with no other loans and minimal expenses would contribute towards approval/rejection of home loan application?

    While I wait for the report and loan application status, do you think if there is anything else I could do right now (contact bank to validate or apply home loans at multiple banks at the same time)

    Regards,
    Paul

    1. Thanks Paul!

      It is very difficult for me to forecast whether you’ll be able to get a home loan or not based on the info provided. Even if one’s credit score comes out to be an excellent one, it is difficult to tell a borrower if he/she meets the lenders’ eligibilty criteria.

      “an excellent monthly income with no other loans and minimal expenses” would definitely serve in your favour and increase your chances of getting a loan. This one I’m sure of.

      There is nothing you can do to improve your score or eligibility in a very short period of time. But, if you find any discrepancy in your credit report, you can definitely raise a Dispute Request online to get the discrepancy corrected and thereby improve your score and chances to get the loan with ease.

  17. Hi Shiv,

    Great Info.
    I have two credit cards. In those there was outstanding amount to pay. Due to my financial reasons I have not paid the amount. I have not paid the amount since last 3 years.
    I am planning to pay the amount now.
    1) If I clear the amount for the both the credit cards now, will it be possilbe to increase my credit score ? If yes how much time it will take?
    Some of my friends told me that if we clear the outstanding also there is no use. credit score wil not be increased.
    Kindly let me know.

    1. Thanks Dhanu!… To err is human, but to repeat the mistake or not to improve on it is foolish. If you feel that you did a mistake earlier, then it is better to get rid of its shadow as soon as possible. Even if your friends are right and it does not improve your score immediately, I would suggest you to take the right path and pay off the whole balance as soon as possible. I do not want to guess the time but sooner or later it will help you to improve your credit history.

  18. Hi Shiv,

    I took education loan from Andhra Bank for 44,000 and with interests the amount is very huge now.
    Bank is offering me OTS (One Time Settlement) reducing the amount now.

    But am worried about my cibil score, will OTS mess my cibil score.
    Please guide me, what shall i do..?
    Shall i Pay the complete amount.. ??

  19. Hi… just wanted to check if the home loan balance also appear in the CIBIL record… I cd not able to find the same…but I could see the enquiry details by bankers which they did before disbursing the amount.

    Regards

  20. Hi,
    Good Job Shiv and your support in this blog.
    I haven’t availed any loans from any of the lenders so far. What will be my credit score and CIBIL report.

    Thanks and regards,

    Faez

  21. Hi,

    Iam prabhu. i have got an offer from HDFC bank for pre-approve loan of Rs. 67000.

    Banker agent has informed collected all my documents.

    After 3 days they are saying. some of the credit card payment has been delayed by you.

    But iam not using credit card. My loan number is 22829694.

  22. Hi Shivji,
    Once again- how can i get my CIR online from cibil website? they are asking for my pancard number which i dont have one so far. I am an NRI.
    Once again thanking you for this blog…

    Faez

    1. Thanks Faez!
      PAN card is not mandatory to get your credit report. It is just a “recommended identity proof”. As you do not have the PAN card, you have the option of filling the identification number of your Passport or Voters ID or Driver’s License.

  23. Thanks Shivji,
    Your quick, prompt and professional reply posts are really appreciated.
    I tried logging my application for the CIR in CIBIL website, though I gave complete information including my PP and whatsoever necessary it appears to be not getting thru.
    Could you please help me on this?
    Regards,
    Faez

  24. Dear sir,
    cibil impect bad is mobil bil paying with late fee.
    But it’s not regular few month bcs m not aware late fee charge and m apply a credit card is reject si please help is possible and m also hold another two banks credit cards.

  25. Sir
    m sorry I just want is possible my some mobile postpaid bill paying regular but with late fee so that impact my cibil score or I have already another 2 bank card and one personal loan and recantly m apply another bank credit card n reject those people said my cibil is negative.

  26. Hi,
    My CIBIL Score is 829. Only 1 CC is in Settled status. I have already approached the bank people to close the same. It is 717 INR due. will close the same in 2days n will get a NOC also.
    One CC card got closed in 2010 year but there are few DBT/SUB under DPD section for the 2008 year. Even after that i got a credit card by showing NOC. Now i am maintaining all my credit cards very well. Score is also 829.
    Now i am going for LIC home loa,.. Is there any chance of Loan rejection bcoz of the DPD with DBT/SUB for the year of 2008???/

    1. Hi skahthp… 829 is a very good score and Rs. 717 for a settled credit card account is too small an amount for your loan application to get rejected. But, a few DBT/SUB in your report can play spoilsport and might make LIC HL team to scrutinize your case.

      Apart from your credit score, final sanction is dependent on many other factors, primarily being the loan to value ratio and EMI to income ratio. I personally think that you should get the loan sanctioned based on the info you have provided here.

      1. Thanks a lot Shiv.
        I called to the SCB bank people, 1st time they told like the card is in inactive status(closed in 2006) they were unable to see any dues, they checked from back end team and confirmed it 717 due bcoz of some charges and all. When i called 2nd time they were saying there is NO DUE…and no need to pay anything and they asked to send a mail to card.services@sc.com with my full details they are ready to provide NOC with in a week (i am staying out side india so they were ready to send a mail).

        Now my question here , Is there any chance of loan rejection after having all theses NOC and one closed account long back with DBT/SUB/STD status.????
        Thanks in Advance.

        1. It is good to know that you have SCB’s green light now! But, nobody can tell you the probability of loan rejection with perfect accuracy. So, I think the chance of loan rejection is still there but with a very low probability. Analysing your credit report would have given me more scope to solve your query.

          1. Please find the below my understanding. Correct me if i am wrong……
            1). DPD will never change for the closed Accounts.
            2). DPD will display “Date of Closed” to “Date of Opened/Disbursed” (up 36months only) for the closed accounts. Ex: Card exist from 2006 to 2008. Then DPD will display for the same period only. if there are anyDBT/SUB/STD it will remain the same and will never change bcoz the account got closed.
            3). DPD will display Date reported or Certified to Date of Opened (for 36 months only) if the Account is in Active /Open status.

            if i am correct in the above scenarios……Less Chances of getting Home loan for the 2nd scenario because the DPD will never change.
            3rd Scenario is fine because as going months also will change so DPD will also moved.
            Is there any solution ofr 2nd scenario folks?
            Please correct me if i am wrong.

            1. Your credit report has factual information as reported by the respective lenders. So, facts and actual information will never change. Only misreporting by the lender or human error can cause something which is not factual.

              For the closed accounts, you cannot get the DPD changed from DBT/SUB/STD to ‘000’, unless they were wrongly reported due to human errors.

              Also, if your payment history is improving, then your credit history improves. But again, it cannot change the past records and the lenders go through the whole of your credit history.

  27. Hi Shiv,

    I have been working out of India after finishing my education abroad. I came back 6 months back after getting an opportunity here. I started applying for credit card from last month back and all of them have rejected me. The last application for which I got rejected finally let me know that the reason was a low CIBIL score. Could you suggest how can I raise my CIBIL score considering I have no credit cards and none of the banks are issuing it to me?

  28. Thnx sir,
    I have one more q.-
    Maine last mnth SCB credit card apply kiya wo reject ho Gaya reason puchha to bataya cibil ki wajah se hua usase pahle HSBC ka apply kiya wo bho reject ho Gaya reason cibil me problem hai but I have already 2 another bank card and 1 personal loan is regular last 2 years CC also regular aur due date se pahle pay kar deta ho pls help kya main bank k against complaint Karu ya mere unscure product hai is wajah se cibil score kam ho Gaya hoga aur Kya main PL close kar do to wo normal ho jayega please sugest me.

    1. Hi Mohd,

      Aap ke paas valid reasons hone chahiye for your complaint against HSBC and SCB for their rejections. Mujhe nahin lagta ki aise valid reasons aap ke paas hain. Ye companies credit card business mein hain and definitely wo bhi apna business grow karna chahte hain. In companies ke paas valid reason honge aap ka case reject karne ke.

      You are right, unsecured loans se bhi aapka case weak ho jaata hai. Mere liye ye batana possible nahin hai ki PL close karne se aapki application approve ho jaayegi but bank ka risk definitely thoda kam ho jaayega.

  29. I got my CIBIL score yesterday. A healthy score of 829 !! Thanks for this article, since I did not know that we could apply online.

    In my CIBIL report, they have not considered my home loan ( taken from Union Bank of India) at all. Probably public sector banks are not part of the members who are reporting.

      1. Hello Shiv,

        My home loan ( fully paid-up and closed recently ) is much more recent than some of the credit cards that were listed on the report. Back in the good old days of 2004-05 when getting a credit card was easier and a fad, I had three credit cards and all are listed in the report. Thankfully, I got out of that habit and closed all the credit cards successfully and maintaining only one for the past 7 years.

        1. Hello Mr. Ashok… What you are following is the ideal way to keep your credit history clean and that is showing in your credit score of 829. Also, I think UBI has not reported your home loan history to CIBIL, probably that is why it is not showing in your report.

  30. I applied for a SBI home loan and they reported that there is a write off of Rs 3245 against some credit card taken in 2003. So, I purchased the CIBIL report. I had a horrible score of 647 only. Below is my credit history.

    1. ABN Amro card: Write off Rs3245
    2. SCB card: No outstanding
    3. ICICI bank card: negative outstanding of Rs 700. It means I paid the bank Rs 700 more
    4. ICICI bank home loan: Currently running and never an outstanding
    5. Axis Auto loan: closed
    6. SCB auto loan: closed
    7. HDFC Credit card: up and running fine.

    However there are some huge enquiry made:
    1. HSBC home loan: 35 lakhs
    2. BOB home loan: 30 lakhs
    3. Now the SBI home loan: 10 lakhs (under processing in SBI)

    My query is
    1. why is my score so abnormally low
    2. is there anything I can do to make is closer to 750

    thanks

  31. Hello Shiv,
    My recent (November 12) CIBIl transunion score totals to 818, but unfortunately have 150 as DPD’s showing up for old personal loan. This loan was closed about two years back.
    Have applied for a personal loan at Fullerton India, after all formalities being done the case has stuck up because of old DPD’s.
    What can i do or say to support my conversation with them, so that the case gets through?
    Please advice.
    I look forward to hearing from you.

    1. Hello Saket… CIBIL credit report shows the factual information and you cannot get it changed until it is due to some human error. If there is something genuine in the report, then only the lender will be able to let you know what all you need to do to get the loan sanctioned.

  32. Hello Shiv,
    Thank you for providing very useful information.

    I have a SBI credit card which went over limit because an amount swiped using this card was supposed to be converted to EMI but that did not happen due to a technical problem at merchant’s side. Although not my mistake, but I guess this must have effected my CIBIL score. I have paid all the debt and I have no dues on the credit card now. I have now explained the situation to the bank and they said that the CIBIL status has been correctly updated for my SBI card account. Does this mean my CIBIL score would also be updated/Increased?

      1. Thank you for the reply Shiv.
        The bank informed me regarding the updated CIBIL status just a couple of days back.
        When should I buy the CIBIL report so that it gets updated.

        Sapna

  33. Hello,
    My creditcard application got rejected recently saying i have a bad cibil score. I want to take a personal loan by my employer’s source. Sbi has tie ups with my employer and amount ll b deducted from my salary each month.
    Am i eligible for this loan or they ll reject the appln due to low cibil score?

    1. Hi Ravi… I am not sure about it. It depends on SBI as the lender whether they feel comfortable extending personal loan to you or not. I think you might get a little advantage because of bank’s tie up with your employer but ultimately it is your financial profile and bank’s discretion which matter.

      You should put this query directly to CIBIL on this link – http://www.onemint.com/2012/11/27/all-you-ever-wanted-to-know-about-cibil-credit-scores/

          1. Hello Shiv,
            My loan application is rejected today saying low cibil score.
            Reason: cibil score is below 600 and i have 1 creditcard shows as settled and another settled(WO). What measures shall i follow now to get a loan?

              1. Hello Shiv,
                I need to follow up with Settled or post settled(wo) credit card.?
                I am unable to understand. Please help me on this regard.
                Thanks
                Ravi

  34. Hi Shiv,
    Just want to know the difference between Rs. 154 and Rs. 470 plans for getting CIR….
    Is it something like if I pay 470 then I can get one user id and password using which I can check the CIR at any given point of time and with Rs. 154 I will only receive CIR only once.
    Is it so?
    Please clarify.

    Regards,
    Prasad

  35. Hi Shiv,

    I don’t need any load or Credit card that means I am not interested to check my Credit Score but I want to check whether my Credit history is clear or not? are there any obstacle’s in the history?
    So what I need to do, shall I need to pay Rs. 470 get credit score? will this Score sheets include all the details?

    Thanks in advance,
    Naveen

    1. Hi Naveen… Your CIBIL Credit Information Report (CIR) without Credit Score will cost you Rs. 154. It has all the details except your credit score. But you cannot buy it online. You’ll have to send your application/documents through post/courier and it will take some time to reach you.

  36. Hi Shiv,

    Nice to see all the replies you have given for most of the queries.

    I have some amt to be settled for 2 -3 credit cards. It was around Rs. 15,000 and Rs. 10,000. Four years has crossed I guessed it would be increased to huge amount with interest. If I go for settlement, do I have to make whole amt with interest or only the usage amount.
    Also, If I apply online for the CIBIL report will my details be informed to the concerned bank.

    Please clarify.

    Regards,
    Suresh

    1. Hi Suresh… Only the bank(s) would be able to tell you the payable amount if you decide to go for the settlement. Your details are reported by the concerned bank itself to CIBIL and if they already have all the details with them, then how does it matter if the details are reported back to the concerned bank by CIBIL?

  37. Hi Shiv

    I made a online payment for online Cibil report however failed in the authentication, further I got the option of uploading KYC documents which I uploaded as per requirement.

    Do I still need to mail the documents or that the uploaded documents will be sufficient to receive my cibil score and report.

    Please advise

  38. dear sir,
    pls advice me, should i go for settlement of my cc dues for principal payments in EMI’s, how it will affect my CIBIL score.

    Thnaks

    1. Hi Amit,
      Settlement affects your credit score negatively. Either you should pay off the outstanding balance fully or if you think it was not your fault, then you should talk to the bank officials or file your case in the banking ombudsman.

  39. Hi,

    I had my credit card in the year 2005 and the same was auto closed by bank (i was not able to swipe my card) and when i called the customer service i got the reply that there was a due of 4000+ rupees for which i was not aware as i was not getting my credit card statement. When i have requested for the same, the banking team have told me that your case is with clooection team (third party) and so we will not be able to provide the statement. As i am sure that i have paid all my transaction promptly. In this case how i can correct by CIBIL record as my name is sent to CIBIL as i have not ready for the settlement without the complete transaction details.

    1. Hi Dinesh… You should either talk to the bank explaining them that it was not your fault or if you strongly feel that it was bank’s mistake, you should approach the banking ombudsman to appeal against the bank.

  40. Hi just wanna inquire if my credit score would have gone for a toss? Since I had some issues regarding a loan for LCD TV from Bajaj Finance around couple of years ago, they were taking 1777rs of emi whereas they were supposed to take 1555rs hence I refused to pay and kept nil balance in my a/c till it is rectified and escallated this discrepancy to their higher authorities and it was sorted out later on and I cleared it all then..I have got no due certificate from them as well..but meanwhile 2-3 emi’s were bounced in my hdfc bank a/c due to insufficient funds..
    Apart from this I never had any loan or credit card in my life so far.. Might have had some cheque bounce issue for about 2-3 instances ever since I started banking..
    Please suggest me ways to improve my credit score if ever it would have gone down..
    Thanking You In Anticipation.

      1. Thanks for ur reply Shiv, I wanted to inquire about my scrore was just because I’ve applied for HDFC credit card recently and awaiting their response. Now lets see if they approve it I would then be quiet sure that my credit score is upto the mark or otherwise.. Thanks again for your help and guidance.

          1. Hi Shiv I’m happy that I recently got first ever credit card from HDFC bank approved and sent to me, Now does that mean that my credit score is good, only then they have approved it, and I went to shop at a mall with my HDFC credit card and got an offer from SBI that I can apply for their card as well? So thinking of applying for it and will keep these cards for times of emergency.. plz advise. Thanks alot.

  41. Hello Shiv,

    I have taken a personal loan of Rs 2,80,000 for a tenure of 5 yrs, a year go. I want to foreclose it now. Will this decrease my cibil score? Also If I close a credit card will that decrease my cibil score?

    Thnx
    Shriya

    1. Hi Shriya,

      Foreclosure without any default will rather improve your score as it shows your are not credit-hungry and your financial health is quite sound. Same applies to Credit Card also.

  42. Hi,

    I don’t understand why should one pay to view their own Credit Score. In U.S. there is law through which Citizens there can view their Credit Score free for once a year, and later buy it if needed. Don’t we have such a law here in India.

    I have never found the need for Credit Score and I hope I won’t need it. I wish there should be a law made in India too, for every Citizen to make it their right to see their Credit Score, rather the CIBIL making money out of it.

    Regards,

    Prashanth .U

    1. That is not true Prashanth. In the US – you can get your credit report free once a year from all three agencies but if you want to see your credit score you will have to pay money for it. Credit score is not included in the free credit report.

  43. Credit Information report is a great initiative to secure the financial institutions and as well as the Borrower. One must know the capacity what he can pay back.

  44. Hi Shiv Kukreja,

    I have never taken any loan in my Life time and I don’t have any Credit card yet. But now, when I had applied for Credit Card 2 days back, it got rejected reason being my Credit Score is bad.

    How can my Credit score exists/bad when I have not taken any Credit card or Loan in my life time till now. I am worried and I don’t understand how this can happen!!!

    FYA – I bought my Bike and Home furniture with net cash, I mean by paying all the money at once.

    Plz tell me what to do or whom to contact for this issue.

    Regards,

    1. Hi Jagadeesh… Issuance of a credit card/home loan doesnt solely depend on one’s CIBIL score and there are many other factors which are important. So, I wont be able to tell you the probability of you getting these credit facilities sanctioned.

  45. Hi,

    I have settle 2 personnel loans and 2 credit cards during the year 2004-2006. At present I am unable to a Loans from banks because of CIBIL Score.

    How Can I improve my credit score after my poor performance.

    How much time it will took for improvement.

    Thanks,
    S.John

  46. Hi

    I have taken two credit cards in 2005. I have not paid the full amount. Now i have settled one card. In CIBIL report those card details are not available. After that i have taken another two cards and running good. could please let me know recently settled card information will record in CiBIL.

    My score is 741.
    I can apply home loan?

    Regards,
    Krishna

  47. hi shiv,

    i am using citi bank credit card since last 6 months and on my online account i tried to check my pan no. and it is not updated in bank records , so will bank still able to update my civil record. this is my first card and i don’t have any other loan or credit card.

  48. Hi nkamal… I’m not 100% sure about it but I think Citibank must have captured your PAN information with them while issuing credit card to you and your transactions will get updated in your CIBIL records.

  49. Hey shiv..
    My credit score is not so good and I want to improve my ratings in a short period of time. So, Please suggest me, how can I improve my credit ratings in a specified period.

  50. Hi,

    I had a CC in the year 2008 and it has been settled and cleared all dues and closed now i had applied for ICICI Bank home loan they found that my name is in CIBIL and it shows 2 CC in my name one was closed and other the bank person did’nt update clearly so wanted to know how i can clear my name from CIBIL and also if i dont have closer documents with me then how i have to show my self clear from CC dues.
    Please suggest it is very important for me to purchase house.

    Aasif Shaikh
    9822097953
    aasifnr@gmail.com

  51. Hi
    One point: Just getting your CIBIL score (by applyiing online), also impacts the hoam loan.
    Do the banks see if a person has viewed his/her CIBIL report.
    I hope you got my question!

  52. Hi,
    Me and my wife had taken multiple loans in the past (home & auto) and have made prompt payments and also closed them.No CIBIL issues from the past 10 years. Today i applied for another loan from HSBC and it was rejected because all of a sudden my wife has a default of close to 7 lakhs on credit cards in the year 2000 which she has never taken. My wife was not even working then and i wonder which bank would give her that kind of a credit limit. Not sure of how to resolve this with the builder on our heads to pay off and my wifes CIBIL report not being clear. Being in a remote place now i spend money on tickets to visit the main branches of these banks who have reported this. I have applied for the CIBIL report but i am pretty worried that inspite of being good borrowers we have to face this. Hard earned money will be spent on travel and procedures to clear a mistake of some bank or CIBIL . To top it leave from our respective offices to find a way out of this mess.No vacation this year..Crap

  53. Hi Shiv,

    I have been following the tread and it is indeed helpful. I had few queries which I would like to understand and get a clarification for.

    * Firstly, my brother had taken an ICICI credit card few years back in our college days however, the amount was used and then the credit card bill was not paid off. Now I have been trying to apply for a loan for myself however it is being rejected due to the pending issue and the credit score has gone down to 560. Thus, I would like to know how to improve the credit score and will making a settlement with the bank increase or decrease my credit score.

    * Secondly, the CIR link is asking for account number, please let me know which account number should i fill in as I donot have any loans now.

    Thanks & Regards
    Kushal

    1. Hi Kushal,

      How come your score has gone down when it is your brother who had taken the credit card in his name? You were a guarantor in the credit card application?

      Secondly, “Account Number” is not a mandatory field when you apply for your CIBIL credit score, so just skip it if you do not have any loan running in your name.

  54. One credit card full settlement on Sep month 2012 &NOC also received .But still my score 540 only is there .How to increase the scroe.and how to remove the cibill report.

  55. I have taken personal loan from Bajaj finance for Rs 714000/- . They cheated me by deducting Rs 14000/- in the name of insurance at the time of disbursal. When I tried enqiuiring about this there is no response from Bajaj Finance . I have written them the repeated mails to their customer care and the customer representatives from the Bajaj finance . Looks like it is falling in deaf ears.
    My idea of writing this complaint to get my money back what they deducted in the name of insurance , i.e, Rs 14000/-. I have even filed a complaint against them on their site as well as here, http://www.consumercourt.in/personal-loan/106310-personal-loan-bajaj-finance.html at Consumer Court site but so far no action has been taken on this case.

  56. Hi Shiv,

    I had applied for CIBIL report online by paying Rs. 470/- and also uploaded the KYC needed for 2 to 3 times and finally when i last uploaded i received this email from CIBIL:
    ——————————————————————————————————————–
    Dear Sir,

    We refer to your request to purchase your CIBIL Report.

    In this regard, we would like to inform you that we have processed your CIBIL Report request. However, we regret our inability to generate a score on your report due to the following reasons:

    . Credit history is less than 6 months
    . Date Opened of Account/s in your report is less than 6 months from the current date

    In view of the same, we have processed refund of Rs 68/- (Cost of CIBIL TransUnion Score) on 08/02/2013 via Online Payment mode

    Your CIBIL Report is processed and will be despatched on 11/02/2013.

    Thanking and assuring you of our best services.
    ——————————————————————————————————————–

    Now i dont understand why they have refunded of Rs 68 and what kind of report will i get after this email… Will i get this report through courier or Email (Soft Copy).
    Actually i need my whole report of CIBIL,so will they provide me with it?

    Thanks in Advance

    Aasif Shaikh

    1. Hi Aasif… As they have mentioned, they are refunding Rs. 68 (Cost of CIBIL TransUnion Score) due to their inability to generate your CIBIL credit score. This means you’ll still get your complete CIBIL credit report but without a score. I am not sure through which mode they’ll be sending it but it seems to me that it would be couriered to your mailing address.

      1. Thank you for your kind reply Shiv,

        I have a question for you, as you said i will not be getting CIBIL credit score, so what is the reason behind this i will not get the CIBIL credit score and for that what should i do, coz it is important for me to know where i am standing and how will the Banks react while giving the Home loan. To be Frank dear i need a Home a property on my name which till now i dont have it.

        Please help me in this regards dear.

        Regards,
        Aasif Shaikh

  57. HY SIR LONG BACK I HAD TAKEN LOANS FROM BANK BUT NOW I AM A DEFAULTER I WANT TO MAKE A COMPLETE NEW PROFILE LIKE NEW PAN CARD ITR AND ALL THE PROOFS CAN U HELP ME WHAT SHUD I DO

  58. Hi Shiv,

    I have a unique question & id be thrilled to get some advice. Many years ago I had a credit card from ICICI bank (this was between 2004-2006). In some promo scheme that they were running I got the offer to take a personal loan & pay it off via the card @Rs.2,500 or so each month. Every month this money would get auto debitted from my account – so there was no problem of non-payment.

    Then in 2006, these auto debits stopped. At the time I wasn’t very credit card savvy – so I just assumed that I had already paid off all the money. But in 2008, when I funded my icici bank account i was hot with a lien of Rs.32,000. When I enquired about it I was told that I had not paid my dues & that the bank had tried getting in touch with me via registered post. I had not received any such post (the bank had my updated house address – so no question of error there). When I asked them to show me proof of the registered post – they didnt show me anything. But given that this was about my credit rating, i paid up Rs.32,000.

    Then in 2009, i had funded my icici bank account again – and once again i was hit with a lien of Rs.32,000. This time also i ran pillar to post & tried to find out what happened. And once again they said i had not paid my dues. When i asked for details they basically said it was my fault – and once again I paid the Rs.32,000.

    After that there we no more such incidents.

    My question is this: I have no idea whether these 2 lumpsums were towards settlements or full payments. All my attempts to find out details from the bank at both these times were extremely frustrating – and resulted in absolutely no information. So I don’t know if my CIBIL rating has “settlement” written against it or “paid in full”

    How do I find this out? And if it is “settlement” what do i do to repay the whole amount & get it changed to “paid in full”.

    I would appreciate any help in the matter.

    Thanks for the taking the time to read this long question.

    1. Hi ST… I’m shocked and sad to read your comment here. Please tell me why are you acting so carelessly in this matter and if you were never at fault, then why did you pay Rs. 32,000 twice without knowing the details of these two payments? It is very disappointing to read your comment. If the bank officials were not helping you in this matter, you should have approached the Banking Ombudsman or any other court to get heard and helped.

      You can check all the details about your credit history and credit score by applying for your credit report online:
      https://www.cibil.com/online/credit-score-check.do

  59. Hello Shiv,

    Thanks for your article, i have applied for Transunion score and CIR. i had couriered the documents to CIBIL.

    I would like to know how long will it take them to process once they receive the doucments?

    Thanking you,
    Ananda

  60. Hi Shiv,
    I was trying to get a loan from ICICI bank, but was refused stating that I already have an outstanding home loan of 11 lakh, reflected in CIBIL report. But, I have not taken any such loan, nor been a guarantor. It seems somebody has used by Pan card details and somehow managed to get a loan. I have requested for CIR from CIBIL. I also have heard that such cases take time to get resolved. I have already purchased a house using my savings, have paid a lot of money and was banking on loan of around 14 lakhs to pay the rest. Please help me find a solution as I am stuck and have no other means to arrange money. I am shocked to find how can some bank sanction a loan without doing proper verification.

    Regards,
    Kauser Fathima
    Bangalore

  61. sir,
    i am ask you regarding my account, i have icici bank salary a/c last 7 to 8 years , 6 to 7 years before i am tack personal loan through citybank arround 30000 thousand after one years citibank refill my loan account and clear all dues and give me new loan arround 40000 thousand , that time i face some financial problam thats why i am not properly submitted my instolment and now i want to home loan so i apply in my bank but bank decline my application
    b’coz bank says my account showing cibil case , here i m clear to u i m not closed my loan a/c till date. in this sitchuation what i do and how to i m elligiabal for home loan give me some good advice .

    thanx
    rajiv

    1. Hi Rajiv… You just cannot get away with the mistakes you made in the past. You should first check with the Citibank how much outstanding loan it is there in your name. If you can, try to pay it off as soon as possible. After a few months, once your score improves, the probability of you getting a home loan will also improve.

  62. Hi Shiv Thank you for your kind reply,

    I have a question for you, as you said i will not be getting CIBIL credit score, so what is the reason behind this i will not get the CIBIL credit score and for that what should i do, coz it is important for me to know where i am standing and how will the Banks react while giving the Home loan. To be Frank dear i need a Home a property on my name which till now i dont have it.

    Please help me in this regards dear.

    Regards,
    Aasif Shaikh

    1. Hi Aasif,
      You can get your CIBIL score once your credit history becomes more than 6 months old. Also, it is not necessary for a bank not to give a home loan if you dont have a CIBIL credit score.

  63. Hi Shiv,
    i have applied for Home Loan, but they(SBI) found 2 outstaning amounts against me via CIBIL and asked for clarification.
    One of the amount, i cleared it and also will get confirmation from the concern banker.
    But other amount, which i dont know and why/how it is reflecting. also dunno which bank against it is. i m ready to do the payment(if it is genuine).
    but fortunatly i dont know the details to make the payment.
    Could you please suggest/guide me further. what is quicker way to get this sorted.

    1. Hi Siva,

      You just buy your CIBIL credit report online and it will have all the details about the outstanding amount and the lender. You can pay the outstanding balance if the demand is genuine. If not, then you can follow CIBIL’s Dispute Resolution process to get it corrected.

      https://www.cibil.com/online/file-consumer-dispute.do
      http://www.onemint.com/2012/09/14/cibil-dispute-resolution-process-rectification-of-discrepancies-in-credit-report/

  64. From where should I get my civil score pls help to suggest me if u can because I am unable to get any type of durables loan from anywhere

  65. Hi,
    I applied for the CITI bank credit card 15 days back which got rejected then i queried for the CIBIL score which was showing 749 score and one loan written-off which i’ve already closed with NOC in Dec. 2011. i requested to the bank for the same and raised a request in CIBIL. this loan is now updated and no dues is there on my a/c. will i be able to apply for any other bank credit card or personal loan?? what score usually bank look for personal loan or credit card??after updating the loan status from bank will my score go up or it’ll take time to reflect??
    thanks in advance..:)

    1. Hi anonym… Usually a CIBIL score of 750+ is considered as good and your score is very close to it. I think it is a good score and should improve further in a few days as the corrections have been made by your bank. If you need a loan or a credit card, I think it should not be a problem now.

  66. Hi,

    I had a CC in the year 2008 and it has been settled and cleared all dues and closed now i had applied for ICICI / HDFC credit card they found that my name is in CIBIL
    so wanted to know how i can clear my name from CIBIL

  67. Hi Shiv

    I used to have couple of credit cards with decent credit limits and even a personal loan too.

    I took the credit cards & personal loan in the year 2009. Latter I moved to other country and I handover the credit cards to one of my cousin and the same were misued by him.

    Once I retuned from UK, I looked at my credit cards status and with out delay I paid all the outstanding dues for the cards against which I got the no due certificates from the Banks as well.

    Against personal loans, almost 4 to 5 EMI’s were paid with quite delay during my visit to UK.

    What happened recently I asked one of my friend who is working in bank to get the cibil score and I was shocked to see the credit score as 531, which is worse.

    Now can you please advise me how to get the credit score improved…?

    1. Hi Ram,

      I think your credit score has got spoiled due to the misuse done by your cousin and probably the payments made by you have been updated as the ‘settled’ accounts. For me to advise you on how to improve your credit score, I need to analyse your credit report.

      Below pasted is the link to check the measures to improve one’s credit score:
      http://www.onemint.com/2012/08/14/cibil-credit-score-negative-factors-and-ways-to-improve-your-score/

  68. Hey Shiv,

    How are you doing??
    Need your help again 🙂 i recently buy ICICI bank credit card and since the facility which were said to before taking the CC was all fake and faulty so now i wanted to close the CC and had called the Video Help Desk to do that. The HD services 24×7 is also pathetic it never got connected to me . so over all service and promise were all wrong.
    I wanted to know if i close the CC account will it affect my credit score or status?
    I mean it was their fault and i was not satisfied once i got the CC.

    Please suggest me on this.

    Best Regards,
    Aasif Sk
    09822097953

  69. Hi shiv,

    Recently i have applied for personal loan in axis,citi and hdfc bank but it got rejected in citi and axis bank bcoz of low credit score and in hdfc bank also becoz i live in PG.
    So, please clarify my below doubts:
    1) will this rejection affect my cibil score

    2) if i apply again in same banks after 2-3 months from some different address (not PG), then will bank come to know that i have already applied with some different address through my cibil score?

    3) I don’t had any loan previously but i have only one credit card from last 3 months only, in which i paid around 30k in 3 months bill, so plz tell me that credit score mainly increases becoz of amount of money i am spending or becoz of credit card duration or both?
    All my credit card bills are automatically paid through Standing instruction on time.

    1. Hi Lokesh,
      1) I dont think it should affect your credit score.
      2) Whenever you apply for a loan, the lender is required to generate an enquiry for the same and it gets reported in your CIBIL report. But still, if living in a PG was the genuine reason for HDFC to reject your loan, then applying from a different address might increase your chances of getting a loan.
      3) Please check this link to know which factors affect your credit score and why:
      http://www.onemint.com/2012/08/14/cibil-credit-score-negative-factors-and-ways-to-improve-your-score/

      Also, it takes at least 6 months of your credit history for CIBIL to generate your credit score.

      1. Hi shiv,

        I will apply after 2 months only, then my credit card will be six months old.
        But for my point no. 2, if i will apply with different address and tell the bank that i am living here from last one year then they will come to know na from my previous application that 2-3 months back he was in different address. and if i will say them that i am staying in my new address from 2-3 months only, then again they may reject the loan 🙁

  70. I had problem with bankers who charged me highly on my cc cards I approached the court and got the order in my favour can I file these order copy in cibil

  71. Hi Shiv,

    As I could not go through all the aforementioned comments, I am not sure if this has been addressed before. My question is whether credit ratings get affected on late payments of utility bills (like I think in the US, they do) or is it restricted only to loans, EMI, cc dues? Thanks & Regards.

  72. Hi sir,

    I took a loan against gold of around 30000 two years back in muthoot and paid interest only for 6months.Now wana finish it off.Would that have affected my score

  73. Hi ,

    Recently i applied for an Americal Express credit card through my employer . But card application rejected due to poor credit score report from CIBIL.I never had a credit card for almost last 8 years.When i contacted AMEX they told that to contact CIBIL for the information.I tried to contact CIBIL but not able to connect to their support. How i will get the details from CIBIL.

  74. Dear Sir,

    I am having personal loan due to non availability in india my EMI had bounced. Now i m paying in installment next month i will go for final settlement. will my CIBIL record cleared & score will increase. i am able to take any other credit facilities from any bank.

    Please advise.

    1. Dear Mr. Patel,

      Opting for a settlement on your personal loan will negatively impact your credit score. We would request you to make regular payments towards your personal loan if your cash flows allow you to do that.

      If not, we would request you to talk to your lender to work out on your EMI amount, which will enable you to make payments on time.
      Keep one thing in mind, that the lender should not consider this request as “restructuring” of the loan as this will reflect on your credit report and will impact your score negatively, as would the settlement.

      Another option for you to consider is to opt for an interest free loan (family and friends) which will help you to make a complete payment towards your loan without any settlement.

      We offer our services where we analyse your credit report and also look into your cash flows to help you prioritise your payments towards your debt obligations in a systematic and convenient manner.

      Please feel free to visit our website http://www.credexpert.co.in for more details.

      Warm regards,
      Credexpert.

  75. Hi Shiv,

    before 2 year i have take personal loan from HDFC Bank, I have paid 8 EMI, but due to some financial problem 1 EMI has been bounce from my account. and not able to pay this for 2 month Next month third party say this please pay ur last EMI and current bouncing is not affected your account. as this i have bounce continue 4EMI and paid to last EMI and finally paid continue EMI since last year when i am applying for new personal loan, bank is say ur cibil score is low and not apply for this.

    what should i do for improve my cibil score.

    please help.

    1. Dear Mr. Narendra,

      Firstly, would like to understand if you have cleared all the dues on your personal loan?

      Secondly, late payments i.e. DPDs towards an unsecured loan (personal loan) impacts your score and it will be viewed negatively by the lending institution.

      We offer our services where we help individuals improve their credit score by analysing their credit report and identify areas which have negatively impacted the score. Under this service we coordinate with lending institutions to remove any negative remarks from your credit report and credit bureaus to update the correct information.

      Please visit our website http://www.credexpert.co.in for more information.

      Regards,
      Credexpert.

  76. before 2 year i have take credit card loan from HDFC Bank, I have paid EMI, but due to some financial problem i want personal loan, last month when i am applying for new personal loan, bank is say ur cibil score is low and not apply for this. My contect no 8105761805

    what should i do for improve my cibil score.

    please help.

    1. Hi Anand… First of all, check your CIBIL score by buying your CIBIL credit report online – https://www.cibil.com/online/credit-score-check.do

      Once you have your credit report with you, try to analyse what wrong is there in your report due to which your CIBIL score is low. If there is any default or incorrect reporting by the lender, you should try to pay the balance amount or get it rectified and improve your score. You can also get your report analysed by a financial advisor.

    2. Dear Mr. Kumar,

      As Mr. Kukreja mentioned, you need to get a copy of your credit report and analyse your report. There could be various reasons as to why your score is low, and there ways to improve your score based on the analysis.

      Credit report contains various sections of your demographics, account details and enquiry section. Each of them plays a crucial role in compounding a credit bureau score. Lenders while evaluating your credit application will consider credit bureau score and their internal evaluating parameter.

      We provide services where we analyse individual’s credit reports and give them a comprehensive view of the details in the report, highlight the pain areas in their report and guide them in the direction of how they can improve their score.
      You can view the details of our services on our website http://www.credexpert.co.in

      Regards,
      Credexpert.

  77. Hi,

    My Cibil Reports shows N/A. Am i eligible to apply personal loan?

    If not hot to improve my cibil score please advice

    1. Hi Ram… ‘NA’ signifies that you do not have a credit history. So, if your income is healthy and your loan requirement is reasonable, then you should easily get a personal loan.

  78. hi,this is ashish ,working in govt sector as group a emploee.my query is that recently i had applied for a car loan which later was rejected by bank on the basis of cibil report which further was based on the fact that i failed to make repayment of amount spent using credit in the year 2006.but the fact is that at that time i didnt have any credit card and i came to have my own pancard in 2008.plz guide me.thanx

    1. Hi Ashish… You should raise this issue with the lender which had reported non-payment of its due amount in 2006 and try to get your credit history clean. You may approach Banking Ombudsman also if the lender does not do that.

  79. Hi, I had applied for personal loan at SBH. Bank said that my Cibil report shows that two credit cards were settled under one time settlement scheme. I do not owe any dues but still the bank had rejected my application pl. guide me.

    1. Hi Upender… you should check your CIBIL report, raise your issue with the lender which has reported outstanding amount in your name and try to get your credit history clean. In case it doesnt help, you may raise a Dispute Resolution request to CIBIL or approach Banking Ombudsman to get the issue resolved.

    2. Dear Mr. Upender,

      Even if you don not owe any dues to the bank, your application may have been rejected because of the “settled” status on your credit report. Settled remark on your credit report has a negative impact on your score and shows the lender that you have not been able to pay your dues in full.

      We, at Credexpert, provide services where we analyse credit reports and help individuals understand the report in a comprehensive manner. We also provide services where we help individuals by coordinating with lending institutions and credit bureaus, to help them remove the settled remark from their credit report.

      For more details on our services, please visit our website http://www.credexpert.co.in

      Regards,
      Credexpert.

    3. Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan…WE PROVIDE SERVICE ALL OVER INDIA :::::::::::::? Syed 8095355329

  80. Hi,
    There was some error in my CIBIL report,some wrong entries were there from HDFC bank which after repeated mails they corrected but my credit score hasent increased a bit.Also they made 4 inquiries on my CIBIL report in a span of a week.Since I had applied for a loan but the bank has said that your score hasnt increased due to several inquiries made by HDFC.I want know that does making too many inquiries affects Credit score and if so then up to what extent ,like 4 inquiries are made in a weeks time so my credit score would be reduced.Please clarify?

    1. Hi Indrani,
      It negatively affects your score, only if your actions indicate that you are “Credit Hungry”. If the same lender is making four inquiries due to some reasons, it does not indicate that you are credit hungry and ideally it should not affect your credit score negatively.

    2. Dear Indrani,

      Yes, having too many enquiries, and in your case 4 in one week, affects your score. If you have not made these applications, you can raise a dispute with CIBIL to get them removed from your credit report. This may help in improving your score.
      Also, analyse your report for other factors which may have affected your score.

      We, at Credexpert, provide services where we analyse individuals credit reports and give them a comprehensive view of the details in the report and guide them in the direction of how they can improve their score. Our service where we raise the dispute with the credit bureau on your behalf and help your resolve your queries related to credit report.

      If you need further assistance regarding your query, please feel free to visit our website http://www.credexpert.co.in for more details.

      Regards,
      Credexpert.

  81. How long does a Loan A/c details (Fully paid and settled one) stay on CIBIL Report. Because, when I checked my CIBIL, the loan details are from 2003 onwards (almost 10 years). Can I request the same to be deleted.

    1. Hi Vivek,
      CIBIL is required to maintain all the accounts, delinquent accounts as well as good standing accounts, for a minimum period of 7 years. I am not 100% sure what is the maximum period for which it maintains these details but I think CIBIL will not remove any details as per your request. CIBIL will do that only if any of the lenders asks it to do so.

      1. Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan…WE PROVIDE SERVICE ALL OVER INDIA :::::::::::::? Syed 8095355329

    1. If you have taken any loan or credit card, your credit history gets maintained at CIBIL and you cannot get your name & credit history removed/changed from CIBIL records on your own.

  82. Dear Sir,
    I am having LIC HFL loan . Now i m paying the installment regularly through ECS.
    I applied my LOAN before 7 months and The First 3months ECS amount of around 2000 was not cleared due to deduction request to Bank from LIC HFL didn’t reach.
    LIC HFL asked me to pay the amount of around Rs.2000 along with interest around Rs.200 in its cash counter and paid it and cleared the EMI.
    My question is will my Name appear in CIBIL report . If so How to remove it ?…

    Please advise.
    T.K.Natarajan.

    1. Hi,
      I’m not sure how it would get reflected in your credit report as it depends on LIC HFL how they have reported it. You should buy your credit report & check how it is showing in the report. If it is negatively affecting your report, then you should ask LIC HFL to correct it. If they dont do that, you can raise Dispute Resolution Request with CIBIL.

  83. we have some customers who are unwilling to pay our bills and send us the required C forms for VAT purposes
    we have gone to court to collect the dues, is there a way to have these defaults listed in the credit rating system so that in future when they do apply for a loan from any agency they can be questioned about the defaults

  84. we have some customers who are unwilling to pay our bills and send us the required C forms for VAT purposes
    we have gone to court to collect the dues, is there a way to have these defaults listed in the credit rating system so that in future when they do apply for a loan from any agency they can be questioned about the defaults

  85. HI,I M VIVEK I HAVE TAKE HOME LOAN 400000/ FOR 20 YEARS AT 2006.BUT I HAVE PAID IN 3 YEARS.BUT OTHER THEN I TAKE BIKE LOAN AT 2008 BUT AFTOR 6 MONTH MY VECHILE WAS STOLEN SO,I M NOT PAY THE INSTALLMENT BUT I WAS ALL BALANCE DUE PAID ON 19/9/2012.AFTOR THAT I WAS GOING FOR PERSONAL LOAN.BUT BANK HAS BEEN REJECTED MY FILE .MY SALARY ARE 29000/PER MONTH & ALSO FIR & FR COPY OF BIKE THEIFT ENCLOSED WITH BANK.PLZ REPLY WHAT CAN I DO.

    1. Dear Mr. Vivek,

      You need to ask the bank the reason for the rejection of your application. If it is because of your credit score, you can order a report from the concerned bureau. The details of the late payments would have been reported by your bank to the credit bureau and this might be the reason why it negatively impacted your score.

      Explain the lender your situation for non payment towards your bike loan and this might give a window for the lenders to consider your loan application.

      We, at Credexpert, provide services where we analyse credit reports and help individuals understand the report in a comprehensive manner. We also provide services where we help individuals by coordinating with lending institutions and credit bureaus, as required.

      For more details, please visit our website http://www.credexpert.co.in

      Regards,
      Credexpert.

  86. Dear Shiv, i have received my CIBIL report & the score is 636. How i can increase my scoring to get loans & credit cards. If you required i can give you my report on seperate mail (if you share your mail id). Can you help me? Pls., advise.

      1. Hi Shiv need your comment i have given my cridit card to my friend & he used it for his personal reason know he has clear 1 card & another card still dues are there & many time he paid cheques to bank & that cheque got bounce is it going to impact my CIBIL report if yes then what is the way out to get this clear kindly suggest.

        1. Hi Syed,

          If the second card is in your name, it is definitely going to affect your credit history negatively. Just pay off the credit card balance immediately & ask your friend to pay you back the money. All these are factual transactions and that is why you cannot get them cleared. But, if you can improve your credit record going forward, it will help you improve your score as well.

        2. Dear Shiv paying EMI through cheque is not a good payment method it will be good to pay online or through ECS which is actually a good method to pay on time as you know that to clear the cheque it hardly takes 48hours to clear from the bank but if your score has come down i can improve and also i can see how many days you have DPDs in your cibil report to a particular bank because it can have 2 cheque bounces but it should not be more than than 2 bounces so please contact me for more details Syed 8095355329

  87. Hi, I had applied for personal loan at SBH. Bank said that my Cibil report shows that two credit cards were settled under one time settlement scheme. I do not owe any dues but still the bank had rejected my application pl. guide me.

  88. Hi, I had applied for personal loan at SBI. Bank said that my Cibil report shows that two credit cards were settled under one time settlement scheme. I do not owe any dues but still the bank had rejected my application pl. guide me.

    1. Hi Vinodkumar,
      You should buy your CIBIL credit report and check yourself which loan accounts are shown as settled in the report. If those accounts do not belong to you, then you should raise Dispute Resolution request with CIBIL. If the info is correct, then it is the discretion of the banks whether they want to extend their loan facilities to you or not. If one bank has refused to lend you a loan, you should approach other lenders. Also, you should try to improve your credit score by maintaining a clean credit history.

  89. Dear Shiv,
    I was unable to pay my cc bill for 3 months. However, i dont have any more outstanding dues on my cc right now. My cc expires this month. Ideally, the bank replaces the card for their customers in the month when it is going to expire. However, I have been denied replacement due to unsatisfactory CIBIL rating.
    My question is; will my CIBIL rating improve if I let this card expire (with all dues cleared) and stop using cc for some time?
    Look forward to hearing from you
    Thanks

    1. Dear Saurabh,
      It would have been better if the same bank had reissued you the card and you could have improved your credit history by paying bills on time. I would say try to get a card issued from a new lender and keep paying for this card regularly without a default. This might result in your credit score getting improved.

      1. Hi Shiv,
        Many thanks for your assistance and prompt response. I’ll take your advice and try applying for a cc with a new lender.
        I forgot to mention that in addition to my personal cc, I also have a corporate credit card issued to me by the company I work for. There have been no payment default for the dues on this card. I am sure this will contribute towards improving my CIBIL rating, since the corporate cc is in my name. Please correct me if I am wrong.
        Regards,
        Saurabh

  90. If there is any issue with your CIBIL report like clearance or updation if the CIBIL score is less than 750 we will improve where there would not be any problem in future to apply, any Loans, & Credit cards, please do call me or leave a MSG Syed 8095355329 ALL over India

  91. Hi
    Recently, I have applied credit card request but it was declined stating that Low cibil score, however I got automobile loan from HDFC in the year of 2007 also I sucessfully paid all the EMI’s but this details are not in my CIBIL report also this details I got from Bank. Is there any possible to update this detail in my CIBIL report? If this details is added surely I will get a good score. Please kindly advice

    1. If there is any issue with your CIBIL report like clearance or updation if the CIBIL score is less than 750 we will improve where there would not be any problem in future to apply, any Loans, & Credit cards, please do call me or leave a MSG Syed 8095355329 ALL over India

  92. Hi
    Recently, I have applied credit card request but it was declined stating that Low cibil score, however I got automobile loan from HDFC in the year of 2007 also I sucessfully paid all the EMI’s but this details are not in my CIBIL report also this information I got from Bank. Is there any possible to update my old automobile loan details in my CIBIL report? If this details is added surely I will get a good score. Please kindly advice

    1. Dear Mr. Krishna,

      Yes, you can get your automobile loan account details updated on your credit report. You can either contact the lending institution and request them to update the records or you can raise a dispute with CIBIL for the same.

      The CIBIL dispute can be raised at the following address: http://www.cibil.com/consumer-dispute-resolution

      For this purpose, you will have to apply for your credit report.

      Your CIBIL score is an outcome of various factors such as number of accounts, type of accounts – secured or unsecured, your payment history, number of enquiries etc. Once you get your credit report, we suggest you check if all the details in your report are accurate.

      Regards,
      Credexpert.
      http://www.credexpert.co.in

    1. Dear Mr. Lahenkar,

      To know your credit score, you can apply for your credit report from any of the three bureaus – CIBIL, Equifax or Experian.

      To apply for your CIBIL report and score, you may follow this link,
      https://www.cibil.com/online/credit-score-check.do, and complete the application form and submit it online with the payment.

      For Equifax, http://www.equifax.co.in/consumer/forms/credit_report/en_in

      And for Experian, http://www.experian.in/consumer/index.html

      Regards,
      Credexpert.
      http://www.credexpert.co.in

  93. Dear Sir,
    I have availed a personal loan(PL) of Rs. 4,00,000/- for 3 years. I have 3 credit card also . I regularly pay the bills in due time. I want to know that if I foreclosure my PL before 3 years by paying lum-sum amount at a time, whether it will affect my credit score in a -ve way or +way.
    Please guide me in this case. Thanks in advance….

    1. Dear Mr. Imtiaz

      Prepaying your personal loan will have a positive affect but to what extent will depend on the other factors on your credit report.

      This might show a good picture to the lenders if you are planning to apply for a new loan, in terms of lower existing obligations. However, a longer credit history with regular payments also contributes to your credit score. So it is advisable to continue paying as per the current terms unless it is necessary to foreclose.

      While prepaying the loan, do check the prepayment charges to be paid, if any. These charges may vary with the bank.

      Regards,
      Credexpert.
      http://www.credexpert.co.in

    1. Hi Sudhir,
      CIBIL score is not the only criteria for a lender to decide if they would be able to extend you a personal loan. Though 772 is a good score, the lender will check your complete profile including your income and loan requirement, before taking a final call.

  94. I had a Credit Card from March 2011 and from Nov 2011 Due to financial problem I was not able to pay my credit card bill… My status is mentioned as “Write Off” (As the bank emailed me saying this) can you tell me what this status means and if I pay the whole bill with interest in one shot, then can I have a good credit score within coming 1-2 years… My current Salary is 75K/month, so do this will help to get a good CIBIL Score in coming 1-2 years…

    1. Dear Mr. Choudhary,

      Write Off means that since you did not repay the borrowed money the lending institution has considered this loan/credit card account as a Non performing loan and as required by standard practices, has written off the amount in their books. However, this does not mean that they do not expect to recover the amount but will continue to attempt to recover this loan.

      This remark has a negative impact on the score and is viewed negatively by lending institutions. If you repay the complete outstanding amount . it could have a positive impact on your score. However, the late payments against this account would reflect on your credit report even after the closure of this account.

      Improving a credit score is a slow and gradual process and you would have to demonstrate positive credit behaviour over time for the same. Your salary would not help to improve your score unless the same has been used to make timely repayments for all the credit facilities you have availed.

      Regards,
      Credexpert

      http://www.credexpert.co.in

  95. For an inactive or closed because of settlement loan or credit card, the DPD string stays constant…..can we request the bank or cibil to keep shifting DPD string of a closed or inactive loan every month…

    1. Dear Vivek,

      Once a loan/credit card is repaid and closed, there is no further repayment history (i.e. DPDs). Due to this the DPD against a closed account would reflect on your credit report and cannot be removed.

      The negative impact of these DPDs would reduce over a period of time as they would be not as recent as they are today.

      Regards,
      Credexpert
      http://www.credexpert.co.in

  96. Sir ,
    Aap ka blog pe de hu jankari bahut fayedemand hai.
    mera CIBIL score 829 hai . kya mujhe vehicle loan mel sakta hai.

    1. Dear Anoop,

      A CIBIL score of 829 is good. There is a high probability of you getting a vehicle loan.

      However, do keep in mind that all banks have their own internal policies for sanctioning a loan. They will look at other parameters other than your CIBIL score.

      Regards,
      Credexpert.
      http://www.credexpert.co.in

  97. Dear Sir,
    I have applied for Loan and Credit card, both are rejected due to cibil matter,
    But i like to know the what is the reason to take further steps to clear up the issue.
    1. Loan taken from which bank: under which A/c. no:
    2. Loan taken on which date: month:Year:
    3. Loan taken for what amount.
    4. How much loan cleared.
    5. In which name i have issued cheques to clean my loan.
    6. what documents i have submitted to take loan.
    7. why the bankers not sent me any notice/letter/ for my pending issue if there is pending issue.
    8. I am staying since my child hood in same address which was given in loan form.
    9. If cheque return/bounce then why they din’t turned up with this issue.
    PLEASE DO THE FAVOUR TO ME SO THAT I CAN PROCEED ACCORDINGLY BECAUSE OF THIS I AM NOT IN A POSITION TO APPLY ANY KIND OF LOAN, WHICH DISTURB MY HEALTH AND MENTALLY.
    YOUR KIND HELP IN THIS REGARD WILL BE HIGHLY APPRECIABLE.

    8.

    1. Dear Mr. Khan

      If your credit applications have been rejected due to a CIBIL score, you need to apply for a credit report from their website. Once you receive your report, check all the details on your report. See if all the details belong to you and are accurate.

      The following details are shown on your credit report:

      1. Demographics – Your name, address, telephone numbers, Identity proof etc.

      2. Employment details – This section reflects details such as occupation, income, income indicator etc.

      3. Account details – The type of account, date opened and closed, the status (written off, settled etc.), the amount sanctioned/credit limit, the account payment history etc.
      The payment history gives the payment details over the last 36 months. Any late payments are reflected here.

      4. Enquiries – This section shows the number of applications you have made to credit institutions.

      The above details on your report have an affect on your credit score. You need to make sure that the above details belong to you and are accurate.

      Regards,
      Credexpert
      http://www.credexpert.co.in

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  98. I had no idea my credit was bad. The guys at Credit Sudhaar analysed my report. The process took some time but my credit was restored, enhanced and protected. I have no reason for complaints.

  99. Dear Sir/Ma’m,

    I took a loan from city finance in the year of 2007. In Jan 2010 when the repayment of loan was to just to be completed their Call Centre executive requested that I should go for Top-Up loan of Rs 300000/- which was sanctioned and deposited in my account.
    I continuously paid the EMIs for 20 months , I lost my job and started facing problems in paying EMI. I approached City Finance to convince and to make the EMI amount Low by increasing the Number of EMI (Re-finance) the balance amount, I was given assurance but not guarantee for that.
    I than applied for exemption from paying the EMI for next six months period, which was confirmed from City Finance but on the other hand they put my name in CIBIL.

    Now I want to know , once the Bank has confirmed about request and even permitted me for exemption for 6 months(On Phone) than how they can send my name in CIBIL.

    After this when I resumed paying EMI one of their executive stopped me to do so, and offered me a settlement which I agreed due to Poor Knowledge of Loans. However, I never requested for any settlement but they sent me written confirmation. I paid the settled amount and the account was closed.
    But even after closing my loan account also my name is not deleted from CIBIL. Now I seek your help as How to remove name from CIBIL as the Education Loan for my son’s study was rejected due to this.

    1. Dear Mr. Kumar,

      CIBIL is a credit information bureau, it is the repository of all the credit data submitted by the lending institutions at a regular period. All lending institutions have to be members of atleast one bureau.

      The Borrowers data consists of:
      1. Demographics – name, address, telephone numbers, Identity proof etc.
      2. Employment details – This section reflects the last employment details at the time of applying the recent credit facility, details such as occupation, income, income indicator etc.
      3. Account details – The type of account, date opened and closed, the status (written off, settled etc.), the amount sanctioned/credit limit, the account payment history etc.
      The payment history gives the payment details over the last 36 months. Any late payments (DPDs) are reflected here.
      4. Enquiries – This section shows the number of applications you have made to credit institutions. Thus, anyone who has availed a credit facility, their data is updated into the records of the credit bureau.

      Please understand that your name appearing in CIBIL is not necessarily a bad thing. All these details play a role is assessing your score, based on which your loan application may be approved or rejected. A clean credit history with no late payments will lead to a good score and vice versa.

      In your case, as I understand, the account was first restructured. Then you were unable to pay your EMIs for a certain period and hence your report will show late payments. After that, the account was settled and closed.

      All the above details appear on your credit report and hence will have a negative impact on your score. Also note that even if the bank has given the confirmation for exemption, the details will be reported as is.

      Please remember that all communications with banks should always be done in writing so as to have proof of the same.

      If you really need to understand your credit report, I suggest you apply for your CIBIL report from their website. This will give you an idea of what has affected your credit score and how you can improve it. If you still don’t understand the credit report you could approach an expert for guidance.

      You can apply for your report and score on this link: https://www.cibil.com/online/credit-score-check.do

      Regards,
      Credexpert
      http://www.credexpert.co.in

  100. Hello,

    Thanks for this great post. It is really enlightening. I applied for my CIBIL report as soon as I read this post. I haven’t received it yet.

    1) I am a guarantor for a home loan taken by another individual. Will my CIBIL report get negatively affected by all liabilities of that individual or only for home loan for which I am the guarantor?

    2) I believe information maintained by CIBIL is misused by Credit Card companies. I am getting threatening calls from a particular Credit Card loan shark for the non-payment of a credit card bill by the other individual for whose home loan I am a guarantor. How do the Credit Card companies get financial information from CIBIL for data which they dont control?
    Is my guess correct?

    1. Dear Amit,

      To address your queries:

      1) If you are a guarantor for a loan, the details of that particular account will appear on your credit report and depending on the behaviour on that account, it will have a positive or negative impact on your score. The other credit facilities of the individual will not be reflected on your report and hence will not affect your score.

      2) The credit card collector should not only have your information, but additionally should not be chasing you down for a payment which you have not guaranteed. If you know the credit card issuer whose collector is following up with you, write to them about this and say that you are not liable for the repayment and the credit card collectors should stop harassing you. If they do not respond, you can approach the banking ombudsman.

      Regards,
      Credexpert
      http://www.credexpert.co.in

  101. My loan was rejected. Credit Sudhaar was my choice. Initially they were slow. But their counsellors were able to handle all my queries. I will give Credit Sudhaar a positive review

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  103. Dear Sir,
    I have applied for Loan my loan rejected due to cibil matter,
    But i like to know the what is the reason to take further steps to clear up the issue.
    PLEASE DO THE FAVOUR TO ME SO THAT I CAN PROCEED ACCORDINGLY BECAUSE OF THIS I AM NOT IN A POSITION TO APPLY ANY KIND OF LOAN, WHICH DISTURB MY HEALTH AND MENTALLY.
    YOUR KIND HELP IN THIS REGARD WILL BE HIGHLY APPRECIABLE.
    mobil n0.9303191132,09074620445

    8.

    1. Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan…WE PROVIDE SERVICE ALL OVER INDIA :::::::::::::? Syed 8095355329….

    2. Dear Mr. Solanki,

      Your credit score could be low and there could be various factors that could have impacted your score negatively. High outstanding balances, late payments, settlements, write – offs, high number of enquiries are a few of such factors.

      We would be able to suggest and facilitate you with the right steps to rebuild your credit score only after the facts appearing on your credit report are analysed.

      Our experts will analyse your credit bureau report and give you comprehensive yet simplified understanding of your credit report. Our service CreditSolutions+ wherein our experts handhold, guide and coordinate on your behalf with lending institutions and/or the credit bureau to resolve any errors appearing on your credit report and ensure a clean credit report which will help you in boosting you credit score.

      We have released a guide for all our viewers on “Credit, Credit Bureaus and all that..” The main purpose of this guide is to make all our viewers understand the basics as well as the nuances of credit bureau reports & scores.

      Our proactive initiative to facilitate our viewers on the topics related to credit, credit bureau, implications of credit bureau decisions, and much more are covered in this guide.

      Download your FREE credit guide copy now..!!
      http://www.credexpert.in/eguide/

      Regards,
      Credexpert
      http://www.credexpert.in

  104. Six months back I bought 3 air conditioners using 0% EMI option on my Bajaj finance Card.
    Next day, I received an SMS saying my card has been blocked. I have just ignored it and paying my emi regularly using ecs option. This month, I have logged to my Bajaj account and checked the card status. It says inactive. My CIBIL Score as provided is 760. When I enquired with Bajaj finance about the status of my card, they said it is because of their credit policy. Please clarify on this.
    Thanks!

    1. Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan…WE PROVIDE SERVICE ALL OVER INDIA :::::::::::::? Syed 8095355329….

    2. Dear Fishaqi,

      We would suggest that you co-ordinate with Bajaj Finance and explain the series of event in a sequential manner and seek the following answers:
      1. The reason for your credit card being blocked.
      2. The status of the repayments that were made after the card was blocked and reversal if any.

      Since, Bajaj Finance would not be recognizing your repayments after the card was blocked, there could be possibilities that your credit report reflects late payments against this credit card account. These late payments would impact your credit score and would be viewed negatively by lending institutions.

      We offer service wherein our experts handhold, guide and coordinate with lending institutions and/or the credit bureau to resolve any errors appearing on the credit report and ensure a healthy credit report.

      Regards,
      Credexpert
      http://www.credexpert.in

    3. Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan…WE PROVIDE SERVICE ALL OVER INDIA:::? Syed 8095355329

  105. Hello,
    I have car loan from HDFC with a tenure of 36months. Have cleared 18 EMIs on time. Few months ago got a CD 0% loan from Bajaj for 8 months. On Bajaj’s A/c login I see my CIBIL score as 00813.
    I am planning to foreclose the HDFC car loan. I hope this would not affect negatively on my CIBIL score. Kindly advice.
    Thanks & Regards
    Aryan

    1. Dear Mr. Aryan,

      One of the most important factors affecting your score is your credit history. Negative remarks like ‘Settlement, late payments, written-off, foreclosure, etc. will negatively affect your score and clean credit history with regular repayments and normal closure of the credit accounts will boost your score.

      Thus, longer your good credit history, there will be more value add to your score.

      Foreclosing your car loan account by paying the entire outstanding on your loan (principle + interest) will not affect your score. However, if you do not do so, it will result in a settlement and this will be viewed negatively by lenders in your future borrowings and which will be reflected on your credit report for at least 7 years.

      Unless it is not that important and your financials allow you to make normal payment towards this loan, do not go for any foreclosure and / or settlement.

      If you want to know more about credit and credit bureaus, you can download our free e-guide on Credit, Credit Bureaus and all that here: http://www.credexpert.in/eguide/

      Regards,
      Credexpert
      http://www.credexpert.in

  106. HI Sir,
    i had outstanding of Rs 42650. i paid Rs 37000 before 18 days. Now Left some amount which payment date in 11th Nov 2013.
    Due Low Cibil Score 741(Hdfc Credit Card) my personal was rejected from axis,hdfc.icci.

    After, How long shall i expect my cibil score to be update and when shall i appy for personal loan in citi bank.

    1. Dear Mr. Ashok,
      If you have been defaulting on your loans or making late payments, it will reflect on your credit report and will be viewed negatively by lenders. This may have affected your applications to the banks you have mentioned.

      Your CIBIL score is calculated based on various parameters such as no. of accounts, credit history, credit mix, enquiries etc. To improve your score, pay all your dues on time and over-time your score will improve.

      We would request you to stop making any further enquiries till your score is improved. Too many enquiries on your credit report is viewed negatively by the lenders and it gives an impression of a ‘Credit shopper’

      Apply for a personal loan until it is not that urgent requirement if possible arrange for an interest free borrowing (family, friends, etc.).

      We provide services where we analyse you credit report and score. We also provide solutions to improve your score and handhold you through the process of coordination with lenders and other institutions.

      Please visit out website http://www.credexpert.in for more information on our services.

      Regards,
      Credexpert.

  107. Hi sir, pls clear me for this we pay our all credit card payment like HDFC,HSBC,SBI,ICICI,STANDERD CHARTED, we pay also we pay our loan like ICICI,CITI FENAICIAL, KOTAK MAHENDRA, please clear me for we are di-falter ?
    How can we apply for loan or credit card?

    1. Dear Mr. Akram
      Credit reports are used for accessing your credit worthiness based on number of accounts, credit mix, payment history and enquiries.

      If you have been making all your payments on time, then your credit report will be clean and viewed positively by lenders.

      If you wish to apply for a loan or a credit card, you may browse through the websites of lending institutions and choose the product which suits you the best. Please ensure that you do not make too many applications so this will reflect on your credit report and affect your score.

      You can access you CIBIL credit report at this link: https://www.cibil.com/online/credit-score-check.do

      If you want to know more about credit and credit bureaus, you can download our free e-guide on Credit, Credit Bureaus and all that here: http://www.credexpert.in/eguide/

      Regards,
      Credexpert
      http://www.credexpert.in

  108. Sir,

    i have cleared all my outstanding Credit Card Balance.

    Please, Let me know after how long the CibiL Score get Update.
    Current Cibil Score Is 741.

    How Much My cibil should be for approval of Personal Loan.

    Thanks & Regards,
    Ashok GC

    1. Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan…WE PROVIDE SERVICE ALL OVER INDIA :::::::::::::? Syed 8095355329….

    2. Dear Ashok,

      Updating your records is a function of the reporting cycle followed by the banks from which you have borrowed. It is therefore difficult to indicate when and by how much your score will improve – November 5th seems unlikely and if you keep applying and getting rejected, the increase in the number of enquiries will in fact have a negative impact on your score.

      We would suggest you be patient and apply later.

      Regards,
      Credexpert
      http://www.credexpert.in

  109. Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan…WE PROVIDE SERVICE ALL OVER INDIA :::::::::::::? Syed 8095355329….

  110. Dear Sir,

    Thanks for your reply e-mail, All ready we pay our all Bank payment not balance any amount.
    and we have all Bank letter .
    1—–KOTAK MAHINDRA BANK—
    Agreement No ——CSG-833191
    Agreement Date—–26 Des-05
    Loan Amount ——–50,000
    First EMI due on ——10-jan 06
    we pay all EMI 10 Jan to 03 Nov 07 and after we pay 04/12/07 cas amount 36000/for PDC cases ensure that paid 7 days before.10 DEC 07 /and we have letter KOTAK MAHINDRA BANK FOR OUR RECORD.
    ————————————————————————————————————————————————-
    2——-ICICI BANK- PERSONAL LOAN—–A/C No LP MUM 00002087047.
    We pay EMI and some balance Total amount we pay 04 2007 and we have closing letter..
    3—-I C I C I BANK ACCOUNT NO 001905003097 we pay 51000/by cheque and after we go received closed account letter ..and we have our record..

    ————————————————————————————————————————————————–HSBC CARD ACCOUNT No4384599909234246/ INR .63.955.00/ we pay 28 NOV 2007/
    we have full and final closure letter for our record…

    ————————————————————————————————————————————————-
    STANDARD CHARTED—SCB CARD NO 9356500828558510/4129057680822564/4940768023435172
    we pay all amount INR 828/ dated 9/1/2008/and we have closure letter our record..
    ————————————————————————————————————————————————-
    CITI FINANCIAL–LOAN ACCOUNT NO 8733698/ We pay INR 15000 dated 20 sep2011/ letter No20110920JP0005596047/ we have closing letter for our record….
    ————————————————————————————————————————————————-
    HDFC BANK—5176521006740395—We pay all amount 52,849.00 Dated 28/02/2013/
    we have this closing letter for our record..
    ————————————————————————————————————————————————–
    Sir, We request you to please we make many applications so this will reflect on our credit report and affect our score?
    please inform clearly. what can i do?

    THANK YOU
    AKRAM ALI SHAIKH.

    1. Dear Mr. Akram,

      All applications that you make to lending institutions will reflect on your credit report. This is because every such institution will make an enquiry for your credit report with CIBIL or other credit bureaus.

      If you have made many applications in the recent past, this will negatively impact your score and lenders will view it as “credit shopping”.

      We suggest you apply for your credit report from any of the three credit bureaus (CIBIL, EQUIFAX, EXPERIAN) to know and analyse its contents before you make any more applications. This will also help you dispute any errors that may be there on your report.
      You can visit our website http://www.credexpert.in to view our services. We can help you through the process of credit report application, analysing your report and also guide you on how to improve your score.

      You can also download our free e-guide on Credit, Credit Bureaus and all that to know and understand more about credit reports and scores.
      You can download it here: http://www.credexpert.in/eguide/

      Regards,
      Credexpert
      http://www.credexpert.in

      1. Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan…WE PROVIDE SERVICE ALL OVER INDIA :::::::::::::? Syed 8095355329….

        1. Hi Syed,

          I have taken personal loan. There are 3 to 4 cheque bounces on EMI’s and my CIBIL score has become very low. I have cleared those EMIs and after 5 months my EMIs will be closing. After clearing of the EMIs can my CIBIL score will increase or do I need to do anything.

          Kindly advise.

          1. Dear Sir,

            Payment history for last 36 months is reflected in your CIBIL report. It is advisable that you make timely payments towards all your credit accounts in future. Also, once you have made all your payments and closed your loan, ensure that you collect the “No Dues Certificate” from the lending institution and the closure of your loan is updated with CIBIL.

            Using a secured credit card is one option you could look at to build your credit history and score. You could opt for a “secured” credit card. Since these credit cards are secured against “Fixed deposits”, you would possibly get one without any hindrance. Make timely repayments against it to improve your score. Monitor the increase in your score before applying for any credit facility.

            Improvement of credit score is a time consuming process and eventually your score will improve once you have built a good credit history. It is difficult to say how much time this will take and to what extent will it improve. However, it is important that you continue to maintain good credit behaviour.

            Regards,
            Credexpert
            http://www.credexpert.in

    1. Dear Mr. Deepak,

      To obtain your CIBIL report and score you may click on the following link and follow the instructions by filling in your KYC details and paying the requisite fees of Rs.470. As of now, your credit report and score is not available for free.

      https://www.cibil.com/online/credit-score-check.do

      If your credit score is good, you can approach your bank and submit the application form for the personal loan along with the required documents.

      Regards,
      Credexpert
      http://www.credexpert.in

  111. i have taken loan for my bike for which i have already paid all my loan now still my cibil score is low my pan card no is ALMPB8835H
    my loan was from ICICI a/c no LTTNE00013830590
    PLEASE help me with information how can i clear my credit rating and have a good cibil score

    1. Dear Simanchal,

      Your CIBIL score depends on various factors such as your loan payment history, type of credit facilities availed or credit mix, length of credit history, account status, number of enquiries etc.

      You need to check these details on your credit report to identify why your score is low. If you pay all your dues on time, keep a good credit mix and have limited enquiries on your report, you will be able to build a good credit score.

      Regards,
      Credexpert
      http://www.credexpert.in

    2. By providing the Pan card number would not allow to pull out the cibil report so please contact me i will help you to improve the cibil score and update the status and also will get you the report immediately 8095355329

      1. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

        2. We will be analyze your Credit History & Credit Score.

        3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

        4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

        5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

        6. Then we will check with the bank about the closure amount.

        7. After paying the closure amount to the creditors.

        8. We will get you the closure letter/ No due certificate letter from the bank.

        9. We take the complete responsibility of the documentation for closure.

        10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

        11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

        12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

        CIBIL
        :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
        Major factors affects for credit score
        ?

        1 Payment history.
        ?

        2 High utilization of credit limit.
        ?

        3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
        ?

        4 Many new accounts opened recently.
        Different types of ownership seen in the cibil report
        1. Single 2.Joint 3.Authorized User 4.Guarantor
        Causes of negative or bad credit history
        Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
        Collection Agents
        :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
        e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
        -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
        o don’t take more
        burden on your shoulders than you have to!

        CIBIL CLERANCE
        :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

        For Further Details Contact : Syed Arif : 9535385135

      2. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

        2. We will be analyze your Credit History & Credit Score.

        3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

        4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

        5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

        6. Then we will check with the bank about the closure amount.

        7. After paying the closure amount to the creditors.

        8. We will get you the closure letter/ No due certificate letter from the bank.

        9. We take the complete responsibility of the documentation for closure.

        10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

        11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

        12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

        CIBIL
        :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
        Major factors affects for credit score
        ?

        1 Payment history.
        ?

        2 High utilization of credit limit.
        ?

        3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
        ?

        4 Many new accounts opened recently.
        Different types of ownership seen in the cibil report
        1. Single 2.Joint 3.Authorized User 4.Guarantor
        Causes of negative or bad credit history
        Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
        Collection Agents
        :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
        e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
        -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
        o don’t take more
        burden on your shoulders than you have to!

        CIBIL CLERANCE
        :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

        For Further Details Contact : Syed Arif : 9535385135

    1. By providing the Pan card number would not allow to pull out the cibil report so please contact me i will help you out to get you the report immediately 8095355329

  112. Dear sir
    I have registered with the cibil…and my cibil registration I’d is GOO0514998413..I have paid 470 rs… But I don’t get my cibil score please help me out sir

    Punith

    1. HI Sir might your authentication would have not been successful so if you want the cibil report please contact me 8095355329

  113. Arif sheikh
    Hi,
    My name arif sheikh my bajaj bike loan no 425058837. I have settled my loan with bajaj finance.I have noc also.
    When I apply for the new loan of any bank finance.It is rejected by bank finance,They told me that your name is in CIBIL.
    So can any buddy help me to update my name in CIBIL.

    Thanks
    Arif
    +91 9039373108

    1. Dear Mr Arif,
      We will help you to update the status and improving the Cibil score within 30days of time and if you have the cibil report please send it to my email id contact me immediately Syed 9739870082 or 8095355329 rahilsyed007@gmail.com

    2. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

      2. We will be analyze your Credit History & Credit Score.

      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

      6. Then we will check with the bank about the closure amount.

      7. After paying the closure amount to the creditors.

      8. We will get you the closure letter/ No due certificate letter from the bank.

      9. We take the complete responsibility of the documentation for closure.

      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

      CIBIL
      :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
      Major factors affects for credit score
      ?

      1 Payment history.
      ?

      2 High utilization of credit limit.
      ?

      3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
      ?

      4 Many new accounts opened recently.
      Different types of ownership seen in the cibil report
      1. Single 2.Joint 3.Authorized User 4.Guarantor
      Causes of negative or bad credit history
      Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
      Collection Agents
      :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
      e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
      -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
      o don’t take more
      burden on your shoulders than you have to!

      CIBIL CLERANCE
      :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

      For Further Details Contact : Syed Arif : 9535385135

    3. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

      2. We will be analyze your Credit History & Credit Score.

      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

      6. Then we will check with the bank about the closure amount.

      7. After paying the closure amount to the creditors.

      8. We will get you the closure letter/ No due certificate letter from the bank.

      9. We take the complete responsibility of the documentation for closure.

      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

      CIBIL
      :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
      Major factors affects for credit score
      ?

      1 Payment history.
      ?

      2 High utilization of credit limit.
      ?

      3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
      ?

      4 Many new accounts opened recently.
      Different types of ownership seen in the cibil report
      1. Single 2.Joint 3.Authorized User 4.Guarantor
      Causes of negative or bad credit history
      Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
      Collection Agents
      :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
      e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
      -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
      o don’t take more
      burden on your shoulders than you have to!

      CIBIL CLERANCE
      :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

      For Further Details Contact : Syed Arif : 9535385135

    1. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

      2. We will be analyze your Credit History & Credit Score.

      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

      6. Then we will check with the bank about the closure amount.

      7. After paying the closure amount to the creditors.

      8. We will get you the closure letter/ No due certificate letter from the bank.

      9. We take the complete responsibility of the documentation for closure.

      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

      CIBIL
      :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
      Major factors affects for credit score
      ?

      1 Payment history.
      ?

      2 High utilization of credit limit.
      ?

      3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
      ?

      4 Many new accounts opened recently.
      Different types of ownership seen in the cibil report
      1. Single 2.Joint 3.Authorized User 4.Guarantor
      Causes of negative or bad credit history
      Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
      Collection Agents
      :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
      e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
      -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
      o don’t take more
      burden on your shoulders than you have to!

      CIBIL CLERANCE
      :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

      For Further Details Contact : Syed Arif : 9535385135

  114. Hi,
    My name gourav patlan. My loan no. Is 3028779414 in central bank of India. I have setteled my loan with C.B.I. I have noc also.
    I apply for the new loan of another bank . But they told me that your name is in cibil.
    please help meto update my name in cibil.Give me correct direction.
    Contact me 8295566400

    1. Dear Mr. Gourav,

      CIBIL is a repository of all credit information. If you have taken any loan or a credit card, details of these accounts will appear on your CIBIL report. Along with this, your ‘payment history’ i.e, whether you have paid your EMIs or credit card dues on time is shown on your report.
      Since you have “settled” your loan, which means that the complete outstanding amount was not paid – this remark on your report may have been viewed negatively by the other bank. Apart from this, are they any other “negative remarks”?
      You can check for the same by obtaining your own credit report from CIBIL.

      Regards,
      Credexpert
      http://www.credexpert.in

    2. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

      2. We will be analyze your Credit History & Credit Score.

      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

      6. Then we will check with the bank about the closure amount.

      7. After paying the closure amount to the creditors.

      8. We will get you the closure letter/ No due certificate letter from the bank.

      9. We take the complete responsibility of the documentation for closure.

      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

      CIBIL
      :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
      Major factors affects for credit score
      ?

      1 Payment history.
      ?

      2 High utilization of credit limit.
      ?

      3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
      ?

      4 Many new accounts opened recently.
      Different types of ownership seen in the cibil report
      1. Single 2.Joint 3.Authorized User 4.Guarantor
      Causes of negative or bad credit history
      Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
      Collection Agents
      :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
      e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
      -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
      o don’t take more
      burden on your shoulders than you have to!

      CIBIL CLERANCE
      :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

      For Further Details Contact : Syed Arif : 9535385135

  115. Dear sir,
    I am Pandiarajan working in TVS Motor company, i had applied for home loan in Sundaram Finance all documents has submitted in sundaram finance, security sign of myself and my father, his name is Balasubramanian , his took a loan for our old house in SBI , that loan completely closed but bankers check the cibil score it has showing local score ,kindly update my father’s cibil file details are given below, Kindly do the needful,

    I’m awaiting for favorable reply

    Account No:10515040218
    Name:M.Balasubramanian
    Pan No:BIDPB9390Q
    DOB:06/10/1947

    Regards,
    Pandiyarajan
    Ph:9445560083

    1. Dear Mr Pandiyarajan,

      Please be informed that if you have yours fathers cibil report you can send me to my email address so that we can help you to update and improve the cibil score and the email id is rahilsyed007@gmail.com my number : 08095355329

  116. Thank you for looking an ad regarding cibil we provide personal loan, credit card, HOME LOANS for the customers who have the cibil score above 650 and also we do take care of settlement part and closure and also in updating the status closed and settled in the report and improving the cibil score within 30days of time so please contact soon syed 08095355329

  117. We Provide Personal Loans and home loans if the cibil score is above 650 and if there is any issues like updating or improving the cibil score we will update this within 15 to 30 days or immediately and also we will help you to get you the loan within 7 to 10business days with private like NBFC or nationalised banks who has the interest rate upto 14% with a lead time please call up soon for further queries Syed 8095355329

  118. Hi Manish,
    I have a query and seeking your help on that.please suggest me what can be done on that.
    the query is regarding my SBI Credit Card. I have requested SBI Card customer care to close the card after the payment of all the out standings (before due date) on July 2013 and they assured that the card will be closed.but I didnt recieved any written confirmation from there side on mails.butafter that I have not received any statement further and I have not checked the online portal also thinking that there would not be any statement and as well not used the card from then too. But When I pulled the CIBIL report on July 2014 to check the status of my credit health ,I found that there is an overdue of 1734 rupees and along with that the DPD showing 180 days, After viewing this I immediately contacted the SBI card people and to my surprise I found that on July they have charged an annual fee of Rs 499 and every month they have charged late fee for nonpayment of the dues. when I asked them this they told me verbally that this is their internal issue and they are taking a request make my account “CS zeroisation” on 27th July 2014, on 11 of July 2014 they have made the account “Zeroisation” and all the outstanding amount were revert back and along with that they provided me the NOC (Closure Letter) with no outstanding. but or this instance my CIBIL score got very low to 600 and that was a fault from banks side itself ,
    So I just want to know what can be done on that to sue the bank. Apart from that I just want to know whether they have settled this amount or anything else and will there be a negative effect on credit score in CIBIL. I got my NOC , but bit worried if they report shows writeoff or settled as I was not in favour of settlement or writeoff..
    please suggest

    1. Dear Chiranjib

      You could ask the bank for a written communication stating that it was an internal error and that the amount has been reverted. Since it was the bank’s internal error, this will not be shown as “Written off” or “Settled” in your Credit Report.

      Also, lending institutions usually report the updated information to the bureau in a cycle of 30 – 45 days. Once you get the written communication from the bank, you can check your report after a month.

      Regards,
      Credexpert
      http://www.credexpert.in

  119. sir, plese help me.my pan.no.axopso446d . i had guarantar for dilip ku sahoo in bajaj finas.ac no.423060720.now dilip cibil is cliar but my cibil is not cliar plese help me. mo.9338001717

    1. Dear Sarbeswar,

      Since you were the guarantor for Mr. Dilip’s loan, the loan history will be shown on your credit report as well. If the payments on this loan were on time it will be shown on your report. Similarly, late payments will also be shown on your report.

      In order to help you with your query, could you please let us know, if this loan account has been closed? Were there any late payments or negative remarks such as “Written off” or “Settled”? Have you checked your CIBIL report? Are there any other credit accounts on your name with a negative history?

      All these factors may have affected your CIBIL report and score. If you could provide the above information we will be able to help you better.

      Regards,
      Credexpert
      http://www.credexpert.in

    2. We Provide Personal Loans and home loans if the cibil score is above 650 and if there is any issues like updating or improving the cibil score we will update this within 15 to 30 days or immediately and also we will help you to get you the loan within 7 to 10business days with private like NBFC or nationalized banks who has the interest rate upto 14% with a lead time please call up soon for further queries Syed 8095355329

  120. Hi i am supposed to pay 1.95lac towards my citi card. Now they told me to pay 40% as settlement. How much % i want to pay to change my status from ‘cleared’ instead of ‘settled’. My score is reduced <400. How to improve my score as i dont have any other card / loan to repay the emi on a timely manner.Also with the NOC from bank can i apply for a loan after an year. Please share your opinion.

  121. Dear Kannan,

    In order to remove the “Settled” status, you need to pay the entire outstanding amount, i.e. 1.95 lakhs. Also, in future ensure timely and complete payment against this card and if you have been repaying only the minimum amount due against this card then we would strongly suggest that you repay the complete outstanding amount. You could try and arrange for interest free/low interest borrowings from friends/family. Once you have cleared all the negative remarks, there will be some improvement in your score.

    To improve your score further we would suggest that you opt for a secured credit card and improve your credit history over a period of time. Your timely repayments against this card as well would help improve your score.

    Regards,
    Credexpert
    http://www.credexpert.in

  122. Hi sir,

    I had completed my online payment to know my CIBIL Transunion score (inc CIR ) on 06/09/2014.

    After finishing my online payment it leads to Authentication page & i was not much aware about that so after the completion it shows that my Authentication was failed and it shows that i need to submit my documentation for further process..

    So i need a confirmation regarding this whether i will get my CIBIL score or i need to submit my address & id Proof for further process..

    1. Dear Manoj,

      Adherence to Know Your Customer (KYC) norms while submitting your documents, is a mandatory requirement for purchasing your Credit Score (and CIR). The objective of performing a KYC check is to enable CIBIL to provide information to the rightful owner.

      In case of unsuccessful authentication you are required to submit your Identity Proof and Address Proof in order to complete your application. Please find below the CIBIL link where you need to upload your KYC documents online:

      http://www.cibil.com/kyc-document-upload/

      If the authentication still fails you will need to submit the hard copies of the same to CIBIL along with the payment receipt to the address mentioned on the website. Please find below the CIBIL link to the list of documents required to be submitted:

      https://www.cibil.com/kyc-document-checklist

      After the completion of your KYC process, you will receive your Credit Report at the address provided.

      Regards,
      Credexpert
      http://www.credexpert.in

    2. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

      2. We will be analyze your Credit History & Credit Score.

      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

      6. Then we will check with the bank about the closure amount.

      7. After paying the closure amount to the creditors.

      8. We will get you the closure letter/ No due certificate letter from the bank.

      9. We take the complete responsibility of the documentation for closure.

      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

      CIBIL
      :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
      Major factors affects for credit score
      ?

      1 Payment history.
      ?

      2 High utilization of credit limit.
      ?

      3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
      ?

      4 Many new accounts opened recently.
      Different types of ownership seen in the cibil report
      1. Single 2.Joint 3.Authorized User 4.Guarantor
      Causes of negative or bad credit history
      Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
      Collection Agents
      :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
      e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
      -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
      o don’t take more
      burden on your shoulders than you have to!

      CIBIL CLERANCE
      :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

      For Further Details Contact : Syed Arif : 9535385135

  123. We Provide Personal Loans and home loans if the cibil score is above 650 and if there is any issues like updating or improving the cibil score we will update this within 15 to 30 days or immediately and also we will help you to get you the loan within 7 to 10business days with private like NBFC or nationalized banks who has the interest rate upto 14% with a lead time please call up soon for further queries Syed 8095355329

  124. Hi Team,
    My Name G Kiran has holding the HDFC Credit Card No-4346 7810 1642 6124. In the last month of Aug 2014 i have cleared the entire outstanding Amount (Rs 59,920) for HDFC Credit Card. So want to know the status that was the Outstanding Amount has been reflected in CIBIL or not and When it will be reflected on CIBIL , also need to know my Credit Score as well to apply for New Credit Card. So Kindly do let me know my status
    Thanks & Regards,
    G Kiran
    8712846567

    1. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

      2. We will be analyze your Credit History & Credit Score.

      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

      6. Then we will check with the bank about the closure amount.

      7. After paying the closure amount to the creditors.

      8. We will get you the closure letter/ No due certificate letter from the bank.

      9. We take the complete responsibility of the documentation for closure.

      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

      CIBIL
      :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
      Major factors affects for credit score
      ?

      1 Payment history.
      ?

      2 High utilization of credit limit.
      ?

      3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
      ?

      4 Many new accounts opened recently.
      Different types of ownership seen in the cibil report
      1. Single 2.Joint 3.Authorized User 4.Guarantor
      Causes of negative or bad credit history
      Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
      Collection Agents
      :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
      e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
      -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
      o don’t take more
      burden on your shoulders than you have to!

      CIBIL CLERANCE
      :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

      For Further Details Contact : Syed Arif : 9535385135

  125. i Team,
    My Name G Kiran has holding the HDFC Credit Card, In the last month of Aug 2014 i have cleared the entire outstanding Amount (Rs 59,920) for HDFC Credit Card. So want to know the status that was the Outstanding Amount has been reflected in CIBIL or not and When it will be reflected on CIBIL , also need to know my Credit Score as well to apply for New Credit Card. So Kindly do let me know my status and mail me to princekiran66@yahoo.com

    Thanks & Regards,
    G Kiran
    8712846567

    1. Dear Kiran,

      In order to check your status and credit score, you need to purchase your credit report and score from the Credit Bureau website. Please find below the link to purchase a CIBIL Report and Score:

      https://www.cibil.com/online/credit-score-check.do

      Lending institutions usually report the updated information to the bureau in a cycle of 30 – 45 days. Now that you say you have paid the dues in the last month i.e. August 2014, the same will be updated by the bank in the next reporting cycle. You should probably access your report after a month to verify this.

      Regards,
      Credexpert
      http://www.credexpert.in

  126. Hi Team,

    My name is Govindarajulu CH, I had a loan with Fullerton India and having 3 EMI pending, When I have applied for credit card, my credit score was 555 so I didnt get. But 2 months back I have cleared my loan and I have NOC document also from fullerton. I would like to whether it has updated in cibil or not to apply credit card now. My pan card No. AKZPC8541M

    Thank you
    Govind
    9035525355

    1. Dear Govind,

      Lending institutions usually report the updated information to the bureau in a cycle of 30 – 45 days. Now that you say you have paid the dues 2 months back, the same should have been updated by the bank.

      You can obtain your credit report now and check if the loan status has been updated. If not, you can raise dispute with CIBIL as well as contact the bank for updating your loan account.

      Regards,
      Credexpert
      http://www.credexpert.in

    2. We Provide Personal Loans and home loans if the cibil score is above 650 and if there is any issues like updating or improving the cibil score we will update this within 15 to 30 days or immediately and also we will help you to get you the loan within 7 to 10business days with private like NBFC or nationalized banks who has the interest rate upto 14% with a lead time please call up soon for further queries Syed 8095355329

    3. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

      2. We will be analyze your Credit History & Credit Score.

      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

      6. Then we will check with the bank about the closure amount.

      7. After paying the closure amount to the creditors.

      8. We will get you the closure letter/ No due certificate letter from the bank.

      9. We take the complete responsibility of the documentation for closure.

      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

      CIBIL
      :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
      Major factors affects for credit score
      ?

      1 Payment history.
      ?

      2 High utilization of credit limit.
      ?

      3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
      ?

      4 Many new accounts opened recently.
      Different types of ownership seen in the cibil report
      1. Single 2.Joint 3.Authorized User 4.Guarantor
      Causes of negative or bad credit history
      Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
      Collection Agents
      :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
      e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
      -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
      o don’t take more
      burden on your shoulders than you have to!

      CIBIL CLERANCE
      :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

      For Further Details Contact : Syed Arif : 9535385135

  127. Dear Sir,

    My name is Rudresh B S. I have salary account in HDFC bank and my take home salary is 58k. Last month(Septmber 2014) i applied for personal loan for 9 lakhs and due to low cibil score i didn’t get the Personal loan.

    The Cibil score was low because of,
    1. Due in my Education loan
    2. HDFC credit card outstanding amount.
    Now i have cleared the Eduction loan amount completely and closed to HDFC credit card paying total outstanding amount.

    My question is, How many days it will take to update the Cibil score to apply the personal loan again??
    Is it possible to update the Cibil Score within 15 to 30 days?? If yes, how to proceed to get update the cibil score??

    Please help out in these queries.
    Regards,
    Rudresh B S
    +91-9986388806

    1. Dear Rudresh,

      Lending institutions report updated credit information to credit bureaus on a monthly basis. Ideally waiting for a period of 30-45 days would be suggested to check updation of recent credit activities on your credit report.

      Although, you have cleared your education loan and credit card, your past payment history will be reflected on your credit report.

      Your closure may not improve your score immediately. Hence, once your credit report is updated with closure of your education loan and credit card, you need to build good credit history for improving your score. Improvement of credit score is a time consuming process and eventually your score will improve once you have built a good credit history. It is difficult to say how much time this will take and to what extent will it improve. However, it is important that you continue to maintain good credit behaviour.

      Regards,
      Credexpert
      http://www.credexpert.in

    2. We Provide Personal Loans and home loans if the cibil score is above 650 and if there is any issues like updating or improving the cibil score we will update this within 15 to 30 days or immediately and also we will help you to get you the loan within 7 to 10business days with private like NBFC or nationalized banks who has the interest rate upto 14% with a lead time please call up soon for further queries Syed 8095355329

    3. 1. We will purchase a detailed CIBIL report (CIR) on your behalf.

      2. We will be analyze your Credit History & Credit Score.

      3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)

      4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.

      5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)

      6. Then we will check with the bank about the closure amount.

      7. After paying the closure amount to the creditors.

      8. We will get you the closure letter/ No due certificate letter from the bank.

      9. We take the complete responsibility of the documentation for closure.

      10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.

      11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score

      12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.

      CIBIL
      :-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
      Major factors affects for credit score
      ?

      1 Payment history.
      ?

      2 High utilization of credit limit.
      ?

      3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
      ?

      4 Many new accounts opened recently.
      Different types of ownership seen in the cibil report
      1. Single 2.Joint 3.Authorized User 4.Guarantor
      Causes of negative or bad credit history
      Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
      Collection Agents
      :-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
      e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
      -tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
      o don’t take more
      burden on your shoulders than you have to!

      CIBIL CLERANCE
      :-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.

      For Further Details Contact : Syed Arif : 9535385135

  128. Hello Sir,

    I had my HDFC, citi, HSBC, SBI, BARCLAYS Credit cards in the year of 2007 I was just used HDFC & citi cards and was not paid some dues for both also have some incorrect billings they are not waived off after my request so i discontinued to pay them after 2008, I never had any contact until today of any sort of loans or credit cards, now am planning for my home loan ICICI providing pre qualified home loan in the amount of 19 lakhs as i holds the salary account with them last three years as privilledged customer is that possible i can get my home loan with them, as i was not paid both (hdfc & citi) card payments earlier in 2008 is that affect my present new loan request please let me know.

  129. i have taken loan for my bike for
    which i have already paid all my
    loan now still my cibil score is low
    my name is Ajin kurian
    PLEASE help me with information
    how can i clear my credit rating
    and have a good cibil score.

    My adress.

    Ajin kurian
    puthenpurackal house
    muttuchira po
    kottayam
    pin 686613
    mob 9633509933
    email ajin.kurian123@gmail.com

    date of birth
    31/08/1990

    please help me sir.. Please do not ignore this message.

    1. Dear Mr. Raja,

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case of any KYC provided by are not matching with CIBIL’s database it will request you to send self attested physical copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Mr. Shahid,

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case of any KYC provided by you are not matching with CIBIL’s database it will request you to send self attested physical copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

  130. Dear Sir,

    You can access your CIBIL score and report by filling the score request form on the below given link

    https://www.cibil.com/online/credit-score-check.do

    This process will be an online process and you will receive your report online. In case of any KYC provided by are not matching with CIBIL’s database it will request you to send self attested physical copy of your KYC details for verification.

    Regards,
    Credexpert
    http://www.credexpert.in

  131. Hi Credit Expert,

    I want to know about the improvement of CIBIL score. I had checked my CIBIL transunion score last on 02.06.2014 and it was “608”. After that I had taken secured credit card from DCB Bank to improve my CIBIL score as they report payment history to CIBIL every month.

    Kindly advise me how long more it will take to update my CIBIL score 750 or above 750 in CIBIL database. And another thing, how long after I should obtain my CIBIL report.

    1. Dear Sir,

      Improvement of credit score is a time consuming process and eventually your score will improve once you have built a good credit history. It is difficult to say how much time this will take and to what extent will it improve. However, it is important that you build and continue to maintain good credit behaviour.

      To track the improvement in your score you can obtain your CIBIL report after 6 months from the time you started timely payments against your credit accounts.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      CIBIL is an informative database of all customers having any kind of financial liabilities (past/current and good/bad) with all the financial institutions. This database is updated by all the financial institutions on a periodic basis with regards to the payment track of customer.

      Your name and account details will never be removed from CIBIL even after paying of the dues, your credit card repayment string in CIBIL will be updated with the payment made.

      Timely payments against all your credit accounts will help improving your score. However, your past credit history will be reflected on your credit report which will have an impact on your credit score. The late payments that occurred in the past would reflect and stay on your credit report as the report reflects the facts related to all credit activities.

      Regards,
      Credexpert
      http://www.credexpert.in

  132. I want to give surity to a friend who wants to lift a chit valued Rs.15,00,000-00 of Margadarshi Chitfunds, Hyderabad. Margadarshi Chitfund is a licensed one from R.B.I.. This is 4th month and the length of the chit is 30 months.
    Shortly I am going for a housing loan. If I give this surity, will this affect my cibil score?
    pls advise me.

    1. Dear Sir,

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case of any KYC provided by are not matching with CIBIL’s database it will request you to send self attested physical copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

  133. I have already paid 470. But not yet received credit score due to pending of documents. Kindly assist how could I submit docs to get credIt score.

  134. My PAN no is AIBPD1294N I have already paid 470. But not yet received credit score due to pending of documents. Kindly assist how could I submit docs to get credIt score

    1. Dear Sir,

      While purchasing your credit report and score if the KYC provided by you are not matching with CIBIL’s database and the authentication is unsuccessful, you will have to upload your KYC compliant identity and address proof along with the online payment confirmation form on the below link:

      https://www.cibil.com/kyc-document-upload/

      Once you have successfully uploaded your KYC Documents, you will receive your report in 7 working days post successful verification. In case the documents submitted by you still do not meet the requirements, you will receive a communication from CIBIL asking you to provide fresh documents.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested physical copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested physical copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

  135. Sir mere sible report me score low show kar raha ha.maine sirf ek bike he loan par le ha.vo loan bhi january tak tha. Sabhi instal time par de ha.sible kese aur amarjeet jeska date of birth 24/03/1988 ha.se mach kar raha h.uske lea kea karna hoga

    1. Dear Sir,

      Now that you have paid the complete outstanding amount, ensure that you obtain the “No Dues Certificate” from the lending institution. Also, lending institutions report updated credit information to credit bureaus on a monthly basis. Since you have completed your repayment for the bike loan this month, ideally waiting for a period of 30-45 days would be suggested to check updation of recent credit activities on a credit report.

      We would suggest that you coordinate with the respective lending institution requesting them to report the said account as closed account. If this account continues to be reported as “open” then it implies that you are burdened with existing EMI, which is incorrect.

      Also, your credit score depends on various factors such as your payment history, outstanding balances, credit utilization, number of secured and unsecured loans and enquiries. Please ensure that all the information reflected in your report is correct and belongs to you. In case of any discrepancy you can raise a dispute with CIBIL highlighting the incorrect information reflecting on your report.

      (Kyuki aapne apna bike loan is mahine poora chuka diya hai, aap ko bank se “No Dues Certificate” lena chahiye. Iske alawa, banks credit bureau ko har mahine credit jaankari report karte hain, kyuki aapne loan isi mahine poora kiya hai, aapko 30-45 din ruk kar apna CIBIL report dobara check karna chahiye. Aapko iss baat ka dhyan rakhna hoga ki aap ka bike loan account CIBIL mein “closed” report kar diya gaya hai. Agar aisa nahi hota hai toh, aapko bank walo se milkar unhe request karna hoga ki wo iss account ko CIBIL mein close report kar de kyuki aapne poora payment kar diya hai.

      Aapka CIBIL score bahut si cheezon par nirbhar karta hai, jaise ki, payment history, outstanding balances, credit utilization, number of secured and unsecured loans aur enquiries. Apni report mein check kijiye ki saari jaankaari sahi hai aur aap hi ki hai. Agar kuch ghalat hai to uske ki liye aap CIBIL mein dispute raise kar sakte hain.)

      Regards,
      Credexpert
      http://www.credexpert.in

  136. Sir mai ek sarkari karm chari hu aur meri monthly salary 43000 pm hai.mere do loan chal rahe hai hdfc bank aur pnb se pnb ka august 2015 me khatm hoga aur hdfc bank ki 24 emi de chuka hu
    Meri hdfc bank ki 17 emi bounce ho gai thi jo me de chuka hu penalty k sath uske baad 7 emi ecs se ja chuki hai.but ab maine loan k liye aply kiya to mera cibil score 630 aaya hai aur mera loan nahi hua.mujhe loan ki jaroorat hai mai kya karoo .pzzzz help me sir

    1. Dear Sir,

      630 is a low score. As an industry practice, a score of 750 and above is considered to be a good score – the higher the better. However, each lending institution will have their own internal credit policies on score cut-offs and negative remarks, based on which the decision to approve your loan will be taken.

      As informed by you, you have recently defaulted on your payments for 17 months; it will reflect in your CIBIL report and adversely impact your credit score. It is advisable that you continue to make timely payments against your loan accounts and build a good credit history. Eventually your score will improve once you have built a good credit history. Improvement of credit score is a time consuming process. It is difficult to say how much time this will take and to what extent will it improve. However, it is important that you continue to maintain good credit behaviour.

      Also, we would suggest that you do not make any further applications for any credit facility until there is an improvement in your credit score. The rejection would only increase the number of enquiries appearing on your credit report which indicate a credit hungry behaviour and is viewed negatively by lending institutions.

      (630 ek kam score hai. 750 ya usse zyada k score ko achha maana jaata hai. Iske alawa banks apni policies ko dhayan mein rakhte hue kisi bhi loan application ko approve karte hain.

      Jaisa ki apne ne bataya, aapne haal mein 17 mahino k liye apna EMI nahi bhara; aapka score iss k kaaran kam ho gaya hai aur ye aapke report par dikhayi bhi de raha hai. Apna score badhane k liye aap apne baaki k EMIs time par bharte rahiye. Dheere Dheere aap ka score badh jaayega. Kitna samay lagega ye toh hum aapko nahi bata sakte par agar aap time par apna EMI bharte rahe to apka score zaroor badh jaayege.

      Iske alawa, hum aapko yeh bhi salah dena chahte hain ki jab tak aap ka score badh nahi jaata, aap loan k liye apply na kare. Kyuki jitni baar aap apply karoge utni baar wo enquiry apke report par dikhayi degi aur isse apka score kam hoga.)

      Regards,
      Credexpert
      http://www.credexpert.in

  137. Hi Shiv

    My Cibil Transunion score is 819. Got this today. Am planning to go for a housing loan jointly with my wife in next 3- 5 months. She doesn’t have any loan so far nor has she ever taken a credit card. I settled 2 credit card loans last year. One was full (1.6 lakhs) and other was partial (30k out of 56k) settlement. Do you think my credit score would change till I apply for a joint loan down the line in next few months ? I have stopped using anymore credit cards.

    1. Dear Sir,

      819 is a decent score. Although credit score is considered to be one of the most important tools used by lending institutions to evaluate an individual’s credit worthiness, it would also consider other factor basis their internal credit policies.

      Also, ‘Settlement’ refers to part payment instead of complete payment of the total outstanding amount towards a credit account. In your case, since you have “Settled” one of your credit cards by paying an amount lesser than the total outstanding, this remark would be reflected in your credit report against the concerned account.

      A credit report with a negative remark of “Settled” would be viewed negatively by the lending institution. Settlement indicates your inability to repay and can hinder any of your future loan applications. The only way to remove this remark is by repaying the complete outstanding amount against your credit card.

      We would suggest that in order to clear your CIBIL report of the negative remark you can make the remaining outstanding payment towards your credit card, this will create a positive impact on the lending institutions.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested physical copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

  138. Hi Team,

    I have requested for an education loan interest wayoff from my branch manager, i just want to understand will this effect my cibil ratings.
    My primary question is whether education loan is also being tracked under CIBIL

    regards,
    Yugaander D

    1. Dear Yugaander,

      Any waive off on your loan – be it the principal or interest amount will result in settlement. This means that you have not paid the entire amount due and the same will appear on your CIBIL report.

      Information on all loans from all lending institutions are shared with CIBIL. Thus the details of your education loan will also appear on your CIBIL report. If you do not pay the entire amount (principal + interest), the bank will report it as “settled” and the same may affect your application for credit facilities in the future. Thus it is always advisable to repay the entire amount due.

      Regards,
      Credexpert
      http://www.credexpert.in

  139. `Dear Sir.I am very sorry to write you that due to your wrong cibil report my personal loan application has been rejected by J&K Bank ltd.There are only three loans of M/S Karina fincap ltd,which are under appeal inthe hon”ble court,New Delhi.Rest the loans taken by me are cleared in due time ,which we can prove. Your cibil report is totaly in correct thus damaging my market reputation,so you are requested to rectify my cibil report as soon as possible.

    1. Dear Sir,

      In order to check the outstanding amount reflecting on your CIBIL report you need to obtain your credit report from the credit bureau.
      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      In order to check, if any outstanding amount reflecting on your CIBIL report you need to obtain your credit report from the credit bureau.

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      In order to check your CIBIL score you need to obtain your credit report from the credit bureau.

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

  140. Dear Sir,

    In order to check your CIBIL score you need to obtain your credit report from the credit bureau.

    You can access your CIBIL score and report by filling the score request form on the below given link

    https://www.cibil.com/online/credit-score-check.do

    This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

    Regards,
    Credexpert
    http://www.credexpert.in

  141. Dear sir,
    my loan a/c.no.60024468248 bank of maharastra has been fully repaid.
    cibil has noy update its database.my pan no AAOPW1762F show Defolter .
    please update my data

    1. Dear Sir,

      If you have recently done the payment towards your loan, then it will take to reflect on your report as CIBIL takes 45-60 working days for updating the database.

      If the loan has been repaid long before, then you can raise a dispute with CIBIL and / or also contact the respective bank and ask them to update the data with the credit bureau.

      Regards,
      Credexpert
      http://www.credexpert.in

  142. Dear Sir,

    If you have recently done the payment towards your loan, then it will take to reflect on your report as CIBIL takes 45-60 working days for updating the database.

    If the loan has been repaid long before, then you can raise a dispute with CIBIL and / or also contact the respective bank and ask them to update the data with the credit bureau.

    Regards,
    Credexpert
    http://www.credexpert.in

    1. Dear Sir,

      In order to know your CIBIL score, you need to obtain your credit report from the credit bureau.

      You can access your CIBIL score and report by filling the score request form on the below given link
      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      In order to know your CIBIL score, you need to obtain your credit report from the credit bureau.

      You can access your CIBIL score and report by filling the score request form on the below given link
      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

  143. Hi,
    My CIBIL record has lots of mistakes starting from name, address, old mobile number to having 6 incorrect/unknown loan accounts in my report. Only 2 loans are correct in my report. Also, one of the housing loan that I have is not reported in the CIBIL report. Looks like lot of crappy data is being reported/maintained here. Anyways the questions I have are,
    1) Can I submit only one dispute resolution request with list of all these anomalies ? or will it require separate dispute resolution request for each incorrect record ?
    2) Using one control number how many dispute resolution requests can I submit ?

    1. Dear Sir,

      1) Yes, you can submit just one dispute resolution request with all the issues reflecting in your report.
      2) Control Number indicates the uniqueness of your credit report.Therefore it doesn’t matter how many disputes you raise with the control number. when you will obtain a new CIBIL report there will be a different control number for it.

      Regards,
      Credexpert
      http://www.credexpert.in

  144. HI SIR,

    this is santhosh i have taken one consumer durable loan from capital first, my last emi got bounse even i have sufficient amount in my bank account they dropped two times but i have sufficient amount. even i paid through branch within 2 days after cheque bounce. this cheque bounce will reflect to CIBIL or NOT kindly suggest me on this. banks will instantly going to update the CIBIL or after some days

  145. Hi am asking this question that I already clear my sbi housing loan and I was got clearance that is no dues certificate from the bank but now my credit record not updated on cibil site and its shows defaulter. What can I do for this bank told me that you will upload no dues certificate on cibil site kindly tell me process of uploading of no dues certificate to cibil site
    PlZ help me in this matter.
    Asaram R.Chaure
    Aurangabad

    1. Dear Sir,

      The updation process takes 45 – 60 working days for getting updation done on your credit report. Is 45 – 60 working days passed pot payment?
      If it is so, we would suggest you to obtain your credit report and score and check the account status, if its not updated you can raise a dispute with CIBIL at https://www.cibil.com/file-consumer-dispute/

      You can also contact your bank for updating the correct data with CIBIL.

      Regards,
      Credexpert
      http://www.credexpert.in

      1. Hello Credexpert,
        I read your reply on this matter, Customer has paid completely all his dues and again his Credit score is in an unhealthy condition. See, we need to pay 500 bucks every time if we needed credit score again & again. So if the banks are not updating the updated data with CIBIL on a timely manner, how can we go ahead and make actions against them? Any hope?? And why it took 45-60 days for updating some tiny bit of data into their servers/data base? Are they still using an outdated versions of Servers? Even you said like, there may be some errors after uploading the Dispute form, so you need to purchase another credit score again to recheck. I’d like to say, its all financial matter, why cant they provide an update on what went wrong in that? Are they taking any actions against CI if they fail to update customer data after submitting the Dispute forms as well??
        Requesting you reply on this.

  146. Hi, I had applied for CIBIL score and paid Rs.470/- through netbanking. My registration number is “SCO0415421771” after the payment debit, I got the below message:

    “Regret the inconvenience.
    Insufficient questions available for authentication.”

    I have not received any mail or sms as confirmation. Please Help!!!

  147. Thank you for the response. I checked my spam and junk folders and not found any …!!! sent a mail to info@cibil.com … i would like to know why it is throwing these kind of errors … I haven’t gone through the authentication process, so does it mean that my request was not processed at all to get the credit report? if yes, then why the money is debited and not getting any acknowledgement to return the money back in case of failed processes?
    i have seen so many facing this kind of problem.

    1. Dear Sir,

      Your queries can be resolved by either calling to customer service of CIBIL or a mail to info@cibil.com

      If the authentication has not happened, then probably you will have to upload signed and scanned documents. After verification you will receive hard copy of your report on your mailing address. but still its better to take a confirmation from CIBIL about the status of your credit report.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      In order to know your CIBIL score and report, you need to obtain your credit report from the credit bureau.

      You can access your CIBIL score and report by filling the score request form on the below given link
      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      In order to know your CIBIL score and report, you need to obtain your credit report from the credit bureau.

      You can access your CIBIL score and report by filling the score request form on the below given link
      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

  148. Hi,
    I had a credit card from Axis bank against which I had an outstanding . My card is already blocked by the bank. I was not able to clear the dues due to my financial crisis for last one year which result in total outstanding amount againt the card to Rs. 17317.76 as on Apr-15. But, toady i had cleared the total outstanding though cash payment. But the issue is already reported in CIBIL. How can i delete the event from CIBIL as early as possible. Kindly suggest me the wayout for the same.

    Regards,
    Bhaskarjyoti
    9435185682

    1. Financial Institutions share data with CIBIL on a fortnightly / monthly basis, which is why the updation process takes 45-60 working days. Therefore, we would suggest that you check your CIBIL credit report and score after the said period.

      If the account is closed, with DPDs reflecting on it then it will remain on your report and have negative impact until you have a good repayment history for any new credit lines on your report.

      IF the account is not closed (no closed date mentioned, current balance reflecting and negative remark reflecting against account status) by the bank after the said period, the you should communicate the same with the bank and raise a dispute with CIBIL for proper updation. Also, make sure you have received a ‘No Due Certificate’ for complete closure from the bank.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      In order to know your CIBIL score and report, you need to obtain your credit report from the credit bureau.

      You can access your CIBIL score and report by filling the score request form on the below given link
      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

    1. Dear Sir,

      In order to know your CIBIL score and report, you need to obtain your credit report from the credit bureau.

      You can access your CIBIL score and report by filling the score request form on the below given link
      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

      Regards,
      Credexpert
      http://www.credexpert.in

  149. Hi ,

    How to clear name from defaulters list of the bank if the principal amount is paid and loan is settled .

    1. Dear Sir,

      If only principal amount is repaid then the account will get updated as ‘settled’ in your credit report, this will have negative impact and will hamper your score.

      We would suggest, you should pay the total outstanding i.e. principal along with interest and close the account. Payment for the same will update the account as closed with ‘zero’ current balance, closed date and no negative remark.

      Also there is nothing like clearance of name from defaulters list of bank, if you make timely payments towards all credit facility availed by you, you will have a good credit history and score which will help you in availing credit facilities in future.

      Improving the credit score is slow and gradual process, you need to have a disciplined behaviour in managing your credits – timely repayments, maintaining a balance between secured and unsecured loans, utilizing up to 35-40% of the limit on your credit cards and not making random applications for new credit facilities will help improve your credit score.

      Regards,
      Credexpert

  150. hi,

    I have paid card outstanding and after 6months found that bill date pass by two working dates and they charged interest few hundred’s and accumulated becomes 3k till 6 months, Bank suspended my card, which is fine to me, but now I am concern on the CIBIL history? will that effect my CIBIL history? please help clarify my query. Thanks! in adv.

    1. Dear Sir,

      There was a delay in payment, it will reflect on your CIBIL report and also afftect your score negatively. The impact of this will lessen with time and regular payments on other credit facilities.

      We would suggest you to not delay in paying the outstanding accumulated amount as it would go on increasing month on month and will also hamper your credit report and score.

      Regards,
      Credexpert
      http://www.credexpert.in

  151. Hi ,

    My score is 776 I pulled my report on 26 May 2015 and today my bank pulled the report as I had applied for personal now the score shown the bank is 664 .what non sense is this ? Are cibil guys sitting just to earn money ? Why theirs disconnect why scores are different ? Any help please ???

  152. Hi,

    I left India about 9 years ago, and became a british citizen with OCI now. I’d like to commence a business in India, so need my CIBIL, but I don’t have any such address proof which is less than 3 months older, how to get my CIBIL score?

    Response is much appreciated.

    Regards

    1. Hi please contact us to get you the report with your valid Pan card address proof like your Voters id, Electricity bill, Passport or bank statement for the latest 3 months old you can contact me in 9739870082.

  153. Dear Sir,
    I purchased cir through online a couple of days ago (26th June) and the transaction went smooth. I received my credit report immediately via mail.
    Today( 29th June) I received a sms stating to upload my kyc documents with transaction id. Should I upload or not please reply me.
    Thanks in advance
    Prakash

    1. Dear Sir

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

  154. Dear sir,i have an outstanding loan of Rs9500/which was paid.i clear it but gemoney is closed.gemoney gave me a full and final settlement paper in the year 2008 at time i paid.but the problem is that gemoney not gave me noc.gemoney make cibil that i am unpaid loan amount.for this reason i am not getting the personal loan.what can i do?

  155. i am having credit card of icici bank which was lost in 2008 and in 2014 icici bank called me and told that u have an outstanding balance of 36 thousand and in turn in replied that my credit card was lost in 2009 and u enquire me in 2014 about the outstanding balance which i never used. they told me either u paid other wise we take legal action against u as i was working in govt sector that time so i feel it might not be good for me to forget this issue, so i go for settlement and i paid around 19 thousand. but after one year when i go for some loan they told me that your cibil score is low and u are not eligible for any loan. sir pse suggest me how to increase my cibil score to get further loan

    1. Dear Sir

      You can access your CIBIL score and report by filling the score request form on the below given link

      https://www.cibil.com/online/credit-score-check.do

      This process will be an online process and you will receive your report online. In case if any KYC provided by you is not matching with CIBIL’s database, it will request you to send self attested copy of your KYC details for verification.

  156. Hello sir
    I took a tv through bajaj finserv. They are showing my cibil score 819. Is this my score for this particular loan or for my whole credit worthiness.

    1. Dear Sir

      A CIBIL score of 819 indicates your overall credit worthiness. CIBIL scores are in the range of 300 – 900 and a score above 750 is considered to be a good score, provided you do not have any negative remarks on your report. If you continue to pay all your EMIs and credit dues on time, this score of 819 can be maintained.

  157. sir I have Applied Personal loan in Canara Bank Gulbarga Karnataka state My cibil score is 590,,in report displaying Syndicate Bank Agriculture loan of Rs 100000/-one lakh But i remitted in the month of feb 2015 but still remains the score 590,even after payment Kindly suggest us to increase my score what step to do and.

  158. Hello Sir,

    I have credit card due at ICICI BANK. After paying full and final amount what documents to be collected. How long will it take for the bank to provide.

    As per conversation with collection executive he told I will be getting a regular credit card statement reflecting zero outstanding balance. This statement can be considered as no dues certificate.
    Please advice as the collection person as goofed up before by saying it will be settled however after making parrial payment as settlement in bank
    still reflects outstanding balance. I will appreciate your help.

    Regards,
    Ramesh

  159. After clearing all my loans & default loans my score remains 598 same for 2 years, bi hope no updates are happening in Cibil

  160. Hi sir I’m Gerald magnum I have take personal lone in 2004 I could pay due to no job in 2014 I have done settlement my lone no LIVPM00006689867 can u tell me my name will be in cibil what I have to do to clear my name in cibil

  161. Hlo
    My cibil transunion score version v2.0
    Score no. 671
    Member id BN01044656
    pls send me all transactions details

  162. sir I have naver take home loan but when I have applied personal loan bank say your name show DDA loan I naver take DDA loan I have not DDA flats pls check it and my civil I want why bank say I have taken DDA loan nobody have to help me what can I do

  163. i am defaulter one credit card only, otherwise all loans are duly cleared from my banks,
    now i have a question that why i am not eligible for any loans

  164. Pl deposit online payment of 500 ac no 027101536756 icici bank suneel kumar ifsc code ICIC0000271 for check your score and score send your email to you in 2 days anyway cash deposit in ac deposit slip can mail my email id

  165. After clearing all my loans & default loans my score remains 534 same for 2 years, bi hope no updates are happening in Civil

  166. Dear sir
    I request sir to clear my cibil issue not due any loan I am apply personal loan but cibil credit show old loans but I am not take any loans before I am apply first time loans so please clear my cibil score please inform following email id

    Thanks
    Regards
    Shivraj singh hada
    9799087165

  167. Sir,
    I want CIBIL report of the company but while checking on the CIBIL website there is a payment of Rs. 3000/-.

    Is there any other way to get download that CIBIL report.

  168. I am Sushant mallik your hdfc credit card payment all raddy full payment so please remove my name for civil list please held thank you mob-8898423126

  169. Hello Respective
    I just want know i had borrow bike loan 6 year ago and pay each and evry rupee before 6 months i didnt settled my loan infact i pay all rupee my vibil score will improoved ? If not then how it will improoved infact now i dont have any loan .

  170. Hi,
    1) If I apply for a cibil report online or offline this will be shared with my banks as well ? ie. even my bank will come to know that I am checking my cibil scores ?
    2) I want to know from which year cibil started to keeping records of individuals ?
    3) what will happen if that bank or credit card bank/company shutdown ? ex.( barclays bank) reports will be still with cibil ?
    Please help me !!!! Thanks

  171. i made my payment clear on 24 august 2015 of rs 498. my credit card no is- 4377484514095754 .
    i got NOC from SBI on 12 feb 2016.
    please clear my cibil and cibil score.
    please reply immeditely. Thank you.
    mobile no-8692802522

  172. hi due to some reason i was not able to pay my credit card full payment in between i was pay minimum amount of my credit card payment but now i am paying full of my payment with interest so after that is that bank responsibility to remove my name from cibil defaulter list or not if not then what should i do n after that can i take new credit card or not

  173. R/sir,
    With humble request
    I am Sandeep Kumar. My pan card no BHNPK5213Q and I cleared my all bank dues. Bank has given me NOC but my a/c shows in cibil. Please check this issue and make it clear.
    With best regards
    Sandeep Kumar
    9813030269

  174. Sir my all loan installment are clear and I want to take a new loan from bank but my civil report is not clere so please submit some points in my report.
    With best regards
    Sumit Kalal
    +91-9783112334

  175. Dear team
    I am Pardeep singh. My pan num is FRAPS3688l. The instalments of my personal loan are paid time to time….also credit cards instalment paid on correct time…i was co- borrwer in two wheeler loan..The loan num is PPU01726H..I paid all amount of this loan…now on 15072016 this account is closed…because of this loan my name is in cibil defaulter list…. I request you please remove my name from cibil list and increse my cibil score…

    with best regards
    Pardeep singh
    9814144110

  176. Dear team Im Om prakash Gupta. My Pan numbar is ABEPG 0621J. The my gold loan ara alredy paid for rs.30500/-& rs. 288700/- I paid all amount of this loan now on this accounts is closed because of this loan my name is in cibil I request you please remove my name from cibil list and increse my cibil score…. with best regards om prakash gupta 9414185554

  177. Dear team, Im Omprakash gupta My pan num.is ABEPG0621J The gold loan rs.30500/-& rs.288700/-if alredy paid & account closed… because of this loan out stending my name in cibil list….Irequest you please remove my name from cibil list and increse my cibil score…. with best regards Om prakash gupta 9414185554

  178. We Provide Personal Loans and home loans if the cibil score is above 650 and if there is any issues like updating or improving the cibil score we will update this within 15 to 30 days or immediately and also we will help you to get you the loan within 7 to 10 business days with private like NBFC or nationalized banks who has the interest rate upto 14% with a lead time please call up soon for further queries Syed 9739870082 or email me at financialsuccess070@gmail.com All Over India……………..

  179. Dear team. I Ravinder singh s/o Bhola Ram. My pan num is FWAPS4001. The instalments of my personal loan are paid..The loan num is PPU01726H..I paid all amount of this loan…now on 15072016 this account is closed…because of this loan my name is in cibil defaulter list….I have a no obsection cirtificate (N.O.C) of this loan…I request you please remove my name from cibil list and increse my cibil score…

    with best regards
    Ravinder singh
    9888781677

    1. We provide Personal Loans, Home Loans, Business Loans etc…all over the India, with any issues in Cibil. And if there is any issues in updating or improving the Cibil score we will be able to help you in getting updated, as soon as possible. Also we do help you to get the loans in 2 days, with any cibil score (Private Sector Banks, Public Sector Banks, Foreign Banks, Nationalised Banks). with the very low rate of interest (upto 5%) please call us for further queries immediately
      Syed: 9739870082
      Email: financialsuccess070@gmail.com

  180. We will purchase a detailed CIBIL report (CIR) on your behalf.
    2. We will be analyze your Credit History & Credit Score.
    3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)
    4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.
    5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)
    6. Then we will check with the bank about the closure amount.
    7. After paying the closure amount to the creditors.
    8. We will get you the closure letter/ No due certificate letter from the bank.
    9. We take the complete responsibility of the documentation for closure.
    10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.
    11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score
    12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined
    for further details contact on 9535061366

  181. Hi all,

    My pan number is AZFPN1897A.Can you please tell me how can i increase my cibil score.actually iam in defaulter list. but iam paying everything in time but first time payment of my credit card bill is one day delay thats it my score is now 680.how can i increase it. and iam paying loan emi”s also in time.Please tell .

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    You have some really great posts and I feel I would be a good asset.
    If you ever want to take some of the load off, I’d really like
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    Please shoot me an e-mail if interested. Regards!

  183. We provide Personal Loans, Home Loans, Business Loans etc…all over the India, with any issues in Cibil. And if there is any issues in updating or improving the Cibil score we will be able to help you in getting updated, as soon as possible. Also we do help you to get the loans in 2 days, with (Private Sector Banks, Public Sector Banks, Foreign Banks, Nationalised Banks NBA NBFC). with the very low rate of interest (upto 5%) please call us for further queries immediately
    Syed: 9739870082
    >>>>>>>>>>>>>>>>>>>>>>>>>

  184. Respected sir my name is Ramu h I had a salaried account in sbm I apply for a personal loan but they have telling your cibil report is not good, you put a surety for a auto loan, some one they were not telling a details of that, how to get the information plss tell me sir.

  185. Sir mai aapne cibil report se LSS(loss) kaise hatau
    Maine icici se eak two wheelar liya tha par bank wo le ke gayi aur mere cibil me full balance bata rahi hai jabki mera 4 emi balance tabhi byk le ke gayi
    Mai use hatane ke liye kya karu

    1. You please speak to your bank and ask them for balance amount including interest, penalty, late charges etc.
      Once you get the masking amount from bank, please deposit the same into your loan account and thereafter take NOC from bank for PROPER CLOSURE not for SETTLEMENT.

  186. Hi, great article. I read recently that cibil identity theft has become common these days. This scares me a lot, is there a way to avoid them?

  187. Hi, great article.
    Unfortunately I am a victim of low cibil score and was looking measures to improve it as I also wanted to avail a personal loan to renovate my house. Please suggest me as the banks keep cibil score as the fundamental factor in giving loans

  188. sir
    sir my name is Nagaraju R my pan number AFMPN5627D my date of birth 16-07-1982 my father name Rajappa.
    my probleum is
    same name &same date of birth but father name Raja rao duggapu person in Hdfc bank in taking some personsl loan, and he use credite card this loan & credit card deatiles come in my pan card & cibile report now i apply personal loan it will rejected because they shows unknown deatilea please cleare my cible report only my report

    ( sir Plz accept my any misteck I dont know perfect english ) i hope u sir

    thank you

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