cibil

During January, I asked fellow TF members whether banks were supposed to add credit card accounts that were never activated to your CIBIL report. Upon receiving their inputs, I raised a report on CIBIL dispute platform against IDFC and Axis Bank. In a few days, I got a standard response from the...

I missed my HDFC credit card due date by one day (yesterday was the due date, and I paid the full amount today). Will this impact my CIBIL score, and how can I check if it’s considered a late payment?

What does cibil Overridden means and does this term really exist and this PNB(credit Card) really sucks now their CC executives are blabbering your Cibil Overridden, back-end team couldn't fetch it, please send your cibil report to such and such e-mails, bhai dena Hain to de nahin to mat de...

Hello Guys, I am posting this thread to ask some of my questions regarding cibil Yaa, so let's start I am having total of 5 loans out of which 4 are consumer durable and 1 is personal loan Hdfc bank (Consumer durable) taken in 2023 November.... It was reported to experian but not in cibil...

So, I did this 1 or 1.5 months back I changed my limit of ICICI through website/app and now finally today I see it is reflecting the same. My limit is 4.7L and I decreased it to 47k, and it is showing the correct one. I also changed kotak card's limit and that too is reporting correctly now in...

Hello Technofino Community, I want to bring attention to a serious lapse by Bank of Baroda (BoB) Financial, which has had a cumulative negative impact on my CIBIL profile over the years. While the incident itself dates back to 2022, I was not aware of the RBI Ombudsman escalation process at...

Hey guys, I need some advice. My CIBIL score dropped from 745 to 709 after a loan closure update. The only change in my report was that Asset Care updated my account from "Settled" to "Closed" on Feb 15, 2025. No other loans, credit card usage, or late payments were added. From what I...

Dear all, Iam planning for take home loan in March, but currently iam very Dipressed after this score Drop. Iam share some timeline for better Understanding- 5/01/25 - take gold loan (secured) and choose full payment after 1 years (basic+interest) not monthly interest pay. ( no ciblil enquiry...

Hi Team, Today I noticed my CIBIL dropped by 8 points and I can see a CIBIL hit by consumer loan without even me applying. I don’t know what’s happening. Also noticed I have received an SMS about it earlier. Please guide how shall I escalate and how do I remove the enquiry. I don’t even know...

Recently I got pre-approved credit card offers from Axis. Some days back, I applied from their app and everything went well and reference number was generated. However, today they called me saying the previous application details had been lost and they would apply for me. After some...

Been 45 days since I closed my loan it's still showing active. Worst part? Bank clearly updated it on 15th to cibil. Bank even shared me SRN and email. But cibil is taking forever to update for some reason? The customer service just says to wait.

I own HSBC Liv+ credit card who payment due date is 15 of every month (+3 day grace extra). I paid my bill on CHEQ on 9th feb and it showed successfully paid. Later on 18th, i got the payment revered to my account. CHEQ intimated me that payment was reversed by HSBC without sharing any proof. I...

Hi everyone, I have a total of around 20 credit cards, but my CIBIL report shows only 2, one of which is closed. Can someone help me understand how to fix this?

I'm a student. I was rejected for Ace via GPay in November. I opened a Liberty account a month ago. I needed an Axis card for an offer ASAP and chose secured MyZone LTF (16K, 20K FD) mostly because it was an emergency. During the online application (really easy btw), there was an optional...

Just checked my CIBIL score, and it’s looking 🔥809! 🎉💰 Hard work, smart credit usage, and on-time payments are paying off! Show off yours! Drop a screenshot of your CIBIL score in the comments and let’s celebrate those high numbers together. 📊💪 Who’s got the highest score here? Let’s brag a...

My wife had an Axis Vistara credit card which was lost in the month of April 2023. The last statement generated was on April 2023 and the amount was NIL. She had an excess amount of Rs.0.99 in her credit card. We blocked the card but it is still showing active under CIBIL. We contacted Axis...

Recently I checked my Credit score on CRED app, to my surprise it gave me CIBIL report, earlier it used to Experian.

I'm set for the next 25 years, lol. I purchased CIBIL subscription that will last until 2051! Did you buy any CIBIL plan in advance?

Our dear CIBIL (part of TransUnion) has started a Rewards Program. It simply states that : Give 100 & Get 100. Refer a friend and earn upto ₹1500 for every successful sign-up. The points you accumulate (maximum 1500 points) can be redeemed to renew your own subscription. How it Works? Share...

I have a CIBIL score of 800+ with a credit history of over 10 years and credit cards with a total limit of ₹15L from HDFC and ICICI. Recently, I decided to expand my portfolio to maximize rewards, so I closed my ICICI Coral card as it offered little value and had an annual fee. Later, I...