Does these enquiries affect my score?

[CyberPsych]

As you can see in the picture, the latest enquiries from Axis bank and HDFC are when I applied Flipkart Axis and HDF Millenia. For Axis I have applied on May 25th (Cashkaro), it has another enquiry next day. For HDFC, they called me on June 20th and offered Millenia CC LTF, I agreed and submitted applications same day. But again there is an enquiry entry next day. Why is this duplicate happening and is there a way to remove it? Does this affect my score?

Plus you can see enquiries from 2020, why are they still there? Will they be removed from enquiries or thy will stay there as a history?

 

[moneydeep]

How does a lay man check this? Also is it possible to know what accounts, cards are open in my name?

 

[Slayer]

As you can see in the picture, the latest enquiries from Axis bank and HDFC are when I applied Flipkart Axis and HDF Millenia. For Axis I have applied on May 25th (Cashkaro), it has another enquiry next day. For HDFC, they called me on June 20th and offered Millenia CC LTF, I agreed and submitted applications same day. But again there is an enquiry entry next day. Why is this duplicate happening and is there a way to remove it? Does this affect my score?

Plus you can see enquiries from 2020, why are they still there? Will they be removed from enquiries or thy will stay there as a history?

When i applied for Magnus they had done 2 enquiries thought of leaving Axis alone but would now like to fight them

 

[AritraSaha]

As you can see in the picture, the latest enquiries from Axis bank and HDFC are when I applied Flipkart Axis and HDF Millenia. For Axis I have applied on May 25th (Cashkaro), it has another enquiry next day. For HDFC, they called me on June 20th and offered Millenia CC LTF, I agreed and submitted applications same day. But again there is an enquiry entry next day. Why is this duplicate happening and is there a way to remove it? Does this affect my score?

Plus you can see enquiries from 2020, why are they still there? Will they be removed from enquiries or thy will stay there as a history?

In short term, it will lower your score.

But it will rise again in 1-2months.

 

[ashishp]

Yes it will negatively impact for short duration

 

[Shrinit Padwal]

When i applied for Magnus they had done 2 enquiries thought of leaving Axis alone but would now like to fight them

As you can see in the picture, the latest enquiries from Axis bank and HDFC are when I applied Flipkart Axis and HDF Millenia. For Axis I have applied on May 25th (Cashkaro), it has another enquiry next day. For HDFC, they called me on June 20th and offered Millenia CC LTF, I agreed and submitted applications same day. But again there is an enquiry entry next day. Why is this duplicate happening and is there a way to remove it? Does this affect my score?

Plus you can see enquiries from 2020, why are they still there? Will they be removed from enquiries or thy will stay there as a history?

I had recently removed dual enquiries for Axis - had applied for an Axis Airtel card - had 2 enquiries one on 6th May and the other on 7th May. The card was rejected as I did get Axis Ace a month back. Did mail to normal level 1 for enquiry removal - long mail chain happened for 10 days but no result. Then straight mailed to PNO - within 5 days both enquiries on 6th and 7th May were removed from CIBIL. So try mailing to PNO directly hopefully they resolve it

 

[CyberPsych]

In short term, it will lower your score.

But it will rise again in 1-2months.

Yes it will negatively impact for short duration

If it was short period, I am okay with it. But, seeing this tempts me to take step for cleaning up.

So try mailing to PNO directly hopefully they resolve it

Okay, I will try to e-mail PNO (though can we e-mail to PNO directly the first time or we need to go through level one first?)

 

[Shrinit Padwal]

If it was short period, I am okay with it. But, seeing this tempts me to take step for cleaning up.


Okay, I will try to e-mail PNO (though can we e-mail to PNO directly the first time or we need to go through level one first?)

You can mail directly no issues

 

[hs23]

I had recently removed dual enquiries for Axis - had applied for an Axis Airtel card - had 2 enquiries one on 6th May and the other on 7th May. The card was rejected as I did get Axis Ace a month back. Did mail to normal level 1 for enquiry removal - long mail chain happened for 10 days but no result. Then straight mailed to PNO - within 5 days both enquiries on 6th and 7th May were removed from CIBIL. So try mailing to PNO directly hopefully they resolve it

I also got duplicate cibil enquiry for Axis Airtel card. Will try to get this removed. Can you share the PNO email ID and email template?

 

[CyberPsych]

@Shrinit Padwal Axis customer keeps asking share your latest official CIBIL report. I already used the once per year from official CIBIL site. Should I subscribe to CIBIL or the reports from apps like GPay, Airtel, CRED, Paytm, etc is enough? (I also need to ask HDFC to remove similar duplicate CIBIL entry).

 

[imdjay]

@CyberPsych So, it's not just me. Axis is playing the same game with me. I am attaching the report but they are again asking the same again and again. I tried sending them a Google drive link but they say, they are not allowed to access that. Looks like they are just dodging the requests or have a technical issue where the attachment doesn't reach them.

 

[CyberPsych]

@CyberPsych So, it's not just me. Axis is playing the same game with me. I am attaching the report but they are again asking the same again and again. I tried sending them a Google drive link but they say, they are not allowed to access that. Looks like they are just dodging the requests or have a technical issue where the attachment doesn't reach them.

I have attached the PDF and they replied accordingly. For removal of hard enquiry, they replied. However as checked in our records your have made the payment for the total outstanding amount on your credit card account. Please note: You CIBIL will get updated in the next cycle in CIBIL records. Now, if I ask them again, they will request me to share official cibil report of today's date. I don't know if official CIBIL site will give daily report if we subscribe for it.

 

[akshayhs]

I don't know if official CIBIL site will give daily report if we subscribe for it.

It does. You can refresh once daily with a subscription.

 

[shrewdoc]

Weird response. Only Axis experts can guide here.
(To me, it looks like they are talking about closing your account.)

I have attached the PDF and they replied accordingly. For removal of hard enquiry, they replied. However as checked in our records your have made the payment for the total outstanding amount on your credit card account. Please note: You CIBIL will get updated in the next cycle in CIBIL records. Now, if I ask them again, they will request me to share official cibil report of today's date. I don't know if official CIBIL site will give daily report if we subscribe for it.

 

[CyberPsych]

Weird response. Only Axis experts can guide here.
(To me, it looks like they are talking about closing your account.)

No, you can check the image I have attached. They are talking about duplicate enquiry in CIBIL report.

 

[akshayhs]

Why is this duplicate happening and is there a way to remove it? Does this affect my score?

Axis and HDFC are enquiring twice on reports. It's been happening lately for most of us.

Plus you can see enquiries from 2020, why are they still there? Will they be removed from enquiries or thy will stay there as a history?

Enquiries along with other account information is retained on your accounts. SOP.

 

[WandereR]

I was able to get 2/3 enquiry removed for both axis and hdfc. Axis is very picky. Will ask for CIBIL report which doesn't have any branding like airtel or so.
But once given, they did it within 2-3 days. HDFC on the other hand took over 50 days and multiple reminders.
And if you're wondering why 3 each, I had an iocl application in process when I dropped that and applied for airtel. And for HDFC, the 3rd was for checking preapproved offers.

 

[CyberPsych]

It does. You can refresh once daily with a subscription.

Looks like I should pay 550 and get the 6 months subscription (because banks may reject third party generated reports for consideration??). I have a duplicate enquiry entry from HDFC as well which needs to be removed and I am planning to get 4 more CC in upcoming months, so if any duplicate cibil hit happens, it can be removed.

 

[shrewdoc]

Looks like I should pay 550 and get the 6 months subscription (because banks may reject third party generated reports for consideration??). I have a duplicate enquiry entry from HDFC as well which needs to be removed and I am planning to get 4 more CC in upcoming months, so if any duplicate cibil hit happens, it can be removed.

If you're planning to spend, buy from technofino's telegram liaison for ₹500 for one year if it's still working. Search the forum for the same.

 

[4uziaul]

If you're planning to spend, buy from technofino's telegram liaison for ₹500 for one year if it's still working. Search the forum for the same.

Someone reported that the offer is over.

Check here:

Post in thread 'CIBIL Subscription at 500₹??' https://www.technofino.in/community/threads/cibil-subscription-at-500₹.14043/post-312483