If any of my active card with zero outstanding for months leads to CIBIL score decline?

[arunb248]

Hi CC Experts, Need your help to understand one situation. I raised a concern to CIBIL about less CIBIL score later I have come to know one issue about my report in the official mail reply. CIBIL team stated that the SBI card which I have closed in the year 2018 reported until 2024 which lead to score decline. So I have shared my concern to SBI cards and my request is under process. Can I claim any compensation for the damage happened to my report due to wrong reporting?

and

I got one more doubt here. If any of my active card with zero outstanding for months leads to CIBIL score decline just like it happened to closed card?

Here the only difference is closed card vs active card.

Please clear my doubt if anyone of you familiar with this. Thank you

@techofino please assist. Thank you in advance. 🙂

 

[arunb248]

@TechnoFino please assist. Thank you 🙂

 

[rrsji]

Need info to me as well

 

[TechnoFinoTechnoFino is verified member.]

What did SBI Card report that caused your CIBIL score to decline? Could you share more details... maybe a screenshot of the SBI Card section from your CIBIL report?

You can also request compensation from SBI Card if they reported something inaccurate that negatively impacted your score, especially since the card was closed back in 2018.

As for your second question: no, it does not affect your CIBIL score.

 

[Ram1]

No, non usage won't cause cibil score reduction.
However use atleast 10rs and pay bill.
So that ur card wont be closed and cibil will keep increasing due to regular payments