cibil

Give suggestions about fd cc or anything can be done . Salaried person. Salary 50k .Hdfc bank salary account. Cibil score not have.

Hi, I had applied for a Kotak credit card through the bank agent a few years ago. Although the application was declined, the card was still delivered to me. I had never activated it. Years later, before the RBI ban was imposed, I tried applying for a new card. However, my application was...

Hello all, does anyone have experience with debt consolidation service? I'm in huge debt and have 7-8 different personal loans and credit card dues, now not able to pay EMIs, Credit score is coming down due to last EMI overdue, is there any bank, company which provides Debt consolidation with...

So, my brother has got an LTF Sapphiro card over four years ago, thanks to the FD's my family used to keep in his account to save tax. He has never used it, or maybe just used it once or twice in all these years. The card is reflecting in iMobile with a decent limit of 6L. He's going to be...

Hi Technofino Community, I need some urgent help and advice on an issue I'm facing with SBI. I have a personal loan with SBI and an active auto-debit setup linked to my SBI salary account. My EMI of ₹19,499 is deducted automatically every month, and I haven’t missed a single payment in the...

Hey guys, This is my first time using a credit card and I’m a bit confused and hoping someone here can help me make sense of this. I got my Apay ICICI credit card on April 4th with a credit limit of ₹1.2L. So far I have noticed that ICICI usually reports to the credit bureau every 1.5 months...

My CIBIL score was 772. I had some EMI's on some my credit cards. Credit usage was around 29%. So, I foreclosed the EMI's. I checked the CIBIL score today and the credit usage was reduced to just around 4.5%. However, my credit score has been dropped to 770. Is this normal? Could this be the...

Hi, I raised a dispute on CIBIL portal for CIBIL enquiry removal of AMEX and Tata Capital under one Dispute ID. Both query got resolved in 62 days and 63 days for AMEX and TCL respectively. CIBIL compensated me 3300 INR for both delays (instead of 6500 INR) and upon raising complaint...

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...

I recently refreshed my CIBIL score from Cred app and saw that my score fell 70 points…. Upon checking further, it seems HDFC reported a delayed payment for my Car loan EMI that was infact paid on time…. The ECS mandate was executed as usual from my bank account and no manual payment was...

I have Axis Myzone LTF card, now I am getting an offer to upgrade to Axis Neo Rupay LTF card. It shows that the old card will be active as well. So my question is if I take the Neo card, will it create a separate credit account in my CIBIL report?

Hi, my credit card was issued last year and since then I've used my credit card every month and have paid all bills on time. However my IndusInd card doesn't appear in CIBIL report at all. I've contacted my RM on phone, contacted Pioneer banking on email, and later contacted PNO on email as...

Does ICICI update credit bureaus about the enhanced credit limit? Or it does not? Got a credit limit enhancement on Sapphiro 15 days back, but the latest CIBIL report shows the initial credit limit only.

Hello everyone, I'm seeking advice regarding a prolonged and unresolved issue with ICICI Bank involving the non-reporting of my credit card account to CIBIL for over 6 months, despite it being correctly reported to other bureaus like Experian and CRIF. Key Timeline: Credit Card Issued: 10...

Hi guys, I closed my home loan in Oct-24 but noticed that CIBIL reports it open till date. So i raised a disputed and got it closed. But all of a sudden my CIBIL dropped from 792 to 783. Is there anything that i can do? how much time will it take to increase this back? Thank you

Hi, Maine November 2024 mein sbi ka credit card apply Kiya tha but wo decline ho gya recently SBI card ne application reopen ki aur without my consent cibil hit kiya then firse application reject kar di... Can I request the PNO to remove the CIBIL enquiry? @TechnoFino

Hello everyone, I noticed an email on my mother’s Gmail account from noreply@cibilenqalert.transunion.com stating that her CIBIL profile was checked for a personal loan enquiry by Home Credit. My mother is a homemaker with only one bank account, which I personally manage. I’ve always been...

Hi, It has been a strange case for me where SBI have made another enquiry in cibil after 5 days of actual application date of secured credit card applied through yono. Now i declined the application to proceed after few days as i had changed my mind. I had escalated to nodal officer but they...

Hii, my CIBIL score is 705, I have 2 active account (Emi are getting paid on time), 3 additional loan account, loan repaid for those 3 also on time, out of this 3 , one account is reported in Cibil and marked as closed, but he other two not yet reported in Cibil as of now. (Will be also reported...

Dear All, Need your valuable suggestions on a peculiar case of one of my close friends whose CIBIL has hit badly due to late payments of home loan EMI where he is a co-applicant. This goes back to 2010 wherein he married a girl and jointly took a home loan where his ex wife was the main...