CIBIL shows my wife's credit card queries

[maynigam]

Hey guys

I have been noticing a strange thing, my CIBIL score shows credit enquiries every time my wife applies for a credit card.
Also, I applied for a loan and they did hard enquiries for myself and my wife but my report is showing 2 hard enquiries!
My wife forgot to pay an Amex bill and paid it after 7 days (because cred doesn't track her Amex and the Amex app wasn't opening!). Even though my current report does not show any delayed payments, my score dropped from 806 to 790!
I feel the two hard enquiries and my wife's delayed payment is to blame.
According to Gpay and Cred app, my wife's cibil score does not exist! She has been using HDFC Swiggy, RBL Shoprite, Federal Signet and Amex MRCC for more than a year!
How can I correct this?

Thanks in advance!

 

[praful47]

Hey guys

I have been noticing a strange thing, my CIBIL score shows credit enquiries every time my wife applies for a credit card.
Also, I applied for a loan and they did hard enquiries for myself and my wife but my report is showing 2 hard enquiries!
My wife forgot to pay an Amex bill and paid it after 7 days (because cred doesn't track her Amex and the Amex app wasn't opening!). Even though my current report does not show any delayed payments, my score dropped from 806 to 790!
I feel the two hard enquiries and my wife's delayed payment is to blame.
According to Gpay and Cred app, my wife's cibil score does not exist! She has been using HDFC Swiggy, RBL Shoprite, Federal Signet and Amex MRCC for more than a year!
How can I correct this?

Thanks in advance!

Do Dil ek Jan ...
7 janam ke kasam khaye ho to nibhana padega .

Mobile number or email id kuch bhi similar hai kya ?

 

[maynigam]

Do Dil ek Jan ...
7 janam ke kasam khaye ho to nibhana padega .

Mobile number or email id kuch bhi similar hai kya ?

Nahi nahi nahi

 

[praful47]

Nahi nahi nah

cibil

Raise dispute in your cibil and rectify your late payment.

Also email to cibil explaining your situation.

 

[maynigam]

Raise dispute in your cibil and rectify your late payment.

Also email to cibil explaining your situation.

do I need a paid subscription to this?

 

[praful47]

do I need a paid subscription to this?

When did you refreshed your cibil from official website

 

[Hell_Kitty]

do I need a paid subscription to this?

you don't need subscription to raise a dispute. But you can get 1 month subscription if you need latest report to be refreshed while submitting the request

 

[maynigam]

you don't need subscription to raise a dispute. But you can get 1 month subscription if you need latest report to be refreshed while submitting the request

thanks for your reply!