can i pay balance amount to remove my name from cibil

POSTED BY Ranu Srivastava ON August 29, 2012 10:19 pm COMMENTS (5)

Dear Manish , 

I want to ask if I will pay my rest balance amount (Rs24000) of my 3 cc acount (ICICI, CITI &BARCLAYS BANK) which I setteled in 2009 so is there possiblity to remove my name from cibil and how much time it will take.

My current cibil score is showing NH so what it means and how i can increase my score.

5 replies on this article “can i pay balance amount to remove my name from cibil”

  1. pankaj says:

    Hi my sbi credit card settled in 2010 i dont know for how much after 7 year its showing in my cibil i went in the bank for this issue they r telling you have to pay 21500 rupees then they will remove me from cibil they are not ready to give statement simply telling this is old accounts so we cant give detail plz tell me what to do what is the best way to remove my name from cibil

    1. They cant hide the details like this. If they say that you owe them, then they need to give you full details .

  2. nancy says:

    Dear Ranu.

    This is Nancy . we basically help the people whoes having the issue in cibil clearance and cibil score improvement. i seen your comments saying that your current cibil score is ‘NH’ it means on your name you don’t have credit history. If you pay the rest amount of 24000rs of your 3 c/c amount ( icici , citi, barclays bank ) which you have setteled in 2009 , its possibel to remove your name but you have to make a trace record on your so you have purchase DCB it mean ( develop credit bank ) it will help you to increase your cibil score. for more please contact me ASAP.

    Regards,
    Nancy.T
    Direct Number : 080-30732202
    Mobile Number : 9742138679

  3. The big myth is that “name will be removed from cibil” , Name is never removed from CIBIL or any credit report . its always tehre, just your status changes. i can say that you need to pay remaining balance anyways else it will keep on appearing in your report and will haunt you for whole life . Does your CIBIL report show any loan as “SETTLED” ,

    Manish

  4. Dear Ranu, from how many days or months you are running these Cc over dues? The reason I’m asking – as per CIBIL website –
    Quote –
    “WHAT DOES IT MEAN WHEN MY SCORE IS “NA” OR “NH”?

    A Score of “NA” or “NH” is not a bad thing at all. These mean one of the below:

    a) You do not have a credit history or you do not have enough of a credit history to be scored, i.e. you are new to the credit system

    b) You do not have any credit activity in the last couple of years

    c) You have all add-on credit cards and have no credit exposure

    It is important to note that while these Scores are not viewed negatively by a lender, some lenders’ credit policy prevents them from providing loans to an applicant with Scores of “NA” or “NH” (applicants with no credit track record). Hence, you may have better chances applying for a loan elsewhere.”

    Unquote – from your query, I’m unable to link these 2 different things NH score & yet CC over dues. Please clarify?

    Thanks

    Ashal

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