cibil

I wanted to share an ongoing issue that might resonate with others facing similar challenges. A loan account that was closed approximately 6 years, 9 months, and 17 days ago is still being reported as active on my CIBIL credit report by a local bank. This outdated and incorrect reporting has...

On 8th July I requested CLI from axis chat support—uploaded salary slip and got service request number whose expected resolution date is 15th July. On 10th My CIBIL got hit by axis but till yet I have not received any limit enhancement and the service request is open? Will I get limit increase...

Hello Everyone, I have 2 unauthorized cibil queries in my report 1st from "SBI Bank" and 2nd from "Central Bank Of India". Can someone share the email ids for both banks where I can raise the request to remove it? Regards, Sagar

Hey guys, I received an email today for personal email verification and mobile number validation for a credit card application that I never applied for. The email came from SBI Cards. A few minutes later, I received another email from TransUnion CIBIL regarding a credit enquiry on my account...

I want to apply bpcl octane for my father..(he has salary of 20LPA) he have salary account in SBI doesn't have netbanking in his salary account..(which i may open just for applying the card) *he doesn't have cibil score* (never took any credit cards before)..totally deals on cash what are the...

Here's the timeline of my relationship with Axis bank and the issues with it: 24/08/2024: Got Flipkart Axis CC approved 21/03/2025: Got pre-approved Axis Neo CC 22/03/2025: Closed Axis Neo CC (they told me Neo is the only LTF CC for me but there was an offer for Privilege LTF going on too and...

Hi All, Please share the list of bank details which reports addon card details to CIBIL based on your personal experience. Let's turn this thread as one stop point to get the list of banks which reports addon cards to CIBIL. I used to have CITI bank credit card and applied addon card on my wife...

I have valid CIBIL Subscription and its working smoothly till 20th June 2025 but after that there are no refresh option available there. Usually CIBIL provide score refresh after 24hrs of last refresh. I contacted customer care through contact us but no satisfactory answer received..

CIBIL is becoming mainstream and being used for employment background check. Horrible... https://www.financialexpress.com/india-news/poor-cibil-report-valid-reason-to-deny-bank-job-madras-hc-backs-sbis-move/3894468/ While SBI argument seems to have merit, there is absolutely no control over...

Hi. I have bunch of enquiries this quarter and wanted to know the amount for each enquiry. Even with paid plan on CIBIL I can't see any amount for enquiries in CIBIL report. There's some information in alerts but I want to know all current enquiries with exact amount they were made for. Any...

I got an ICICI card last month and spent only 10rs to activate the card. My due date for that statement was on 20th June. But I guess I completely forgot about that spend. Today on 26th June I remembered and immediately cleared the bill. I have multiple other cards which are my primary cards...

So i hold multiple hdfc credit card which all as a merged limit of 93k and i utilised almost all of it in april 2025 from hdfc moneyback plus and swiggy hdfc in 70-30% ratio. But at that same month i used my tata neu hdfc cc in dreamfolks for offer checking purpose as i was returning from delhi...

I need advice specific to my scenario. Been stressing over it for many days now. My oldest credit card (from 2016), HDFC Times Platinum (Mastercard) is also my first and only HDFC credit card. I can't seem to get any core HDFC card due to it. Reading into forums here and elsewhere I have...

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...