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CIBIL Problems

Dear Sir,

I want to know how we can remove negative credit from CIBIL. can i remove this by make payment of sattled amount to bank?

i sattled a BIL Account (Loan Ac) total amount was 11755.00 and bank offered waiver 6255.00 and settled on own will not mine. it settled in 2009.

now what i can do????

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