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.
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
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
We will help you to update the status and improve your Cibil score within 30days of time and if you have the cibil report or NOC please send it to my email id contact me immediately Syed 9739870082 or 8095355329 Financialsuccess070@gmail.com
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
I want a loan from bajaj they told me your name in cibil plz update my cibil score
We will help you to update the status and improve your 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 Financialsuccess070@gmail.com
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
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
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
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. 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
Hi sir want the cibil score my no 8100085139
Dear Mr. Shaw,
You can obtain your CIBIL credit report and score either online or offline. For online mode kindly click https://www.cibil.com/online/credit-score-check.do and for offline mode click https://www.cibil.com/sites/default/files/pdf/consumer-request-form.pdf
Regards,
Credexpert
http://www.credexpert.in
Plz send me sir my civil trak
Dear Mr. Majukar,
You can obtain your CIBIL credit report and score either online or offline. For online mode kindly click https://www.cibil.com/online/credit-score-check.do and for offline mode click https://www.cibil.com/sites/default/files/pdf/consumer-request-form.pdf
Regards,
Credexpert
http://www.credexpert.in
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
HI Sir might your authentication would have not been successful so if you want the cibil report please contact me 8095355329
HI,
my pan no is AVPPK5668Q and i want to know my cibil report
Dear Mr. Kamal,
If you wish to obtain your CIBIL report and score, kindly visit the following link and follow the steps given on the page:
https://www.cibil.com/online/credit-score-check.do.
Regards,
Credexpert
http://www.credexpert.in
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
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
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
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. 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. 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
Pls send the detail for Pan- APHPM5915L
Name – sandeep Gopal mane
Dear Sandeep,
If you wish to obtain your CIBIL report and score, kindly visit the following link and follow the steps given on the page:
https://www.cibil.com/online/credit-score-check.do.
Regards,
Credexpert
http://www.credexpert.in
can i get my cradit score ,whitout paying any fees ?
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
dear sir
my name is deepak,i want to know my cibil cradit .now can i get persnol loan what i do?
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.
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
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….
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.
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
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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
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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
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?
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
WE PAY OUR ALL CREDIT CARD PAYMENT AND WE PAY ALL OUR LOAN AMOUNT HOW CAN WE CHECK OUR CREDIT REPORT?
HOW CAN WE CHECK OUR CREDIT REPORT
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.
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.
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
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
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!
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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
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