cibil

I received an unrecognised personal loan enquiry on 28th Feb. In March I pursued it with ICICI's customer.care@icicibank.com email. They said they will look into it and it is taking more time than necessary etc. then got cold by May! After that I hadn't the time to pursue until few days ago...

Hi all, Is there anyway to remove legitimate hard enquiries made by banks to cibil? I wish to suppress them wihout waiting for the 3 month cooling period so I can apply for credit cards immediately. I have 12 enquiries past 3 months which is affecting all applications. Can I email ECN to...

I had recently applied for Airtel Axis Credit Card through Airtel App , application was approved and I received the card. Upon checking the CIBIL Report , I discovered there were 2 enquiries made by Axis Bank on the application date. I mailed PNO for the same and asked for removal of atleast one...

I had posted here few months back about how my credit score was dropped by 29 points suddenly without any causing activity (here's the thread). And its been like 8-9 months since I am continuously writing this to cibil but only to get a generic or stupid response every time. This time they have...

Dear Card Holders, I am facing very weird issue with personal details correction in my Transunion cibil after Kotak PVR Card added to cibil there is incorrect wrong email & residential address reported by kotak. Card issued on 07JULY2023 & Same new ac added to cibil on 14AUG2023 first day i...

Do all banks use only TransUnion CIBIL for credit score check? Are credit scores of Bureaus like Equifax & Experian not being used by any Indian Banks for hard / soft enquiry? @TechnoFino

When is this settlement likely to be erased from cibil? Or such defaults stay forever?

I have been seeing many posts in which people are concerned about having one additional hard inquiry in their CIBIL report. But is it really something I should be fretting about? Now, I understand if you have more inquiries, especially in a short period of time, it shows you as a credit-hungry...

Long story short - SBI had made a mistake in their reporting to credit bureaus (see this thread), stating that I made a late payment on a loan I took. I've been fighting with them for 6 months and it looks like it'll finally be corrected on the CIBIL report (had to escalate all the way to RBI...

I usually don't track my CIBIL score, but on January '23 I found out by chance that SBI had reported incorrectly that I made a late payment on an educational loan I took in December '22. They had done the same a few years back but my credit score had recovered by December '22. When it happened...

So my brother is under the impression that if he closes his phonepe autopay feature for netflix then his CIBIlL score will decline. He doesn’t even have any credit card. Just a fully paid and closed education loan. How do I explain to him that transactions on savings and salary account does...

We always say that keep utilization below 30% to not drastically reduce your CIBIL score. My utilization is 3-4% normally and usually score lies at 792. But a jump to 5% utilization and score drops to 784. I really cannot fathom whats going on!

Hello Guys I have Amazon Pay later account last 12 months but my limit is still 2k only. I want to close this Amazon pay later and re apply again? It's possible to reapply with high limit

I have raised a CIBIL enquiry removal request to Axis customer care because there was a CIBIL enquiry entry after the day I applied for FK Axis card on May 25 (duplicate entry on May 26). Same happened for HDFC Card too, 1 month later. Now Axis bank customer care said it will be automatically...

I have been facing an issue with the CIBIL website login page where they ask to enter the OTP for authentication. The box to enter the OTP does not display though I am getting the OTP on the mobile. I tried from multiple browsers, computers, mobiles, the result is still the same. Anyone else...

Hello Recently I’ve got pre approved offer for Hdfc iocl credit card on paisabazaar and I just click on the offer to check what is the offer and I didn’t even click on apply or anything just reading terms and conditions and benefits of the card and Hdfc pulled and hard enquiry without consent...

My score dropped from 761 to 730, in a day. There were couple of education loan enquires recently, one was 22nd of Last month, and other was on 4th july. Could these trigger this big drop ? I only have a hdfc credit card with 1.5 lackh limit and I pay on time, I see utilization is negative...

Hi I noticed that my Amazon pay ICICI CC number is different in Cibil and Experian. Is this normal? Limits and age of card is ok but number is different

Does cibil gets hit multiple times if we apply multiple credit cards within 7-14 days of time I heard multiple loan enquiries within certain days is equivalent to 1 credit enquiry, is it applicable to credit card as well ?

Hi guys I checked my score in Cibil app 3 days ago. It dropped from 792 to 785. I didn't apply for any new card or LE or loan. The last hit from the CIBIL notifications I can see is of May. The utilisation is 4% since January. I took a no cost EMI which finished in June mid when the latest...