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POSTED BY ON October 12, 2012 1:13 pm COMMENTS (9)
Hi,
I got my CIBIL Report with 555 score and complete history of my loan and credit card holdings. I got some information that was not in my knowledge like an extra CC and overdue amount that I have already paid to bank (was on loan) but they still shows as \\\”Overdue\\\”. Now I want to understand the impact of \\\”Written Off\\\” and \\\”Settled\\\” which have been used in my report and how I would be able to make them removed from this report in future.
Thanks in advance.
Rajan
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have raised the following query to CITIBANK:
“In my cibil report, there are 24 (twenty four) different entries as follows
member name: citibank
date of enquiry: 08-04-2011
enquiry purpose: credit card
enquiry amount: 50000.
I had applied for a citibank credit card around that time. But, I fail to understand as to why there should 24 enquiries for a single application. Can you explain the same?”
It can be answered by the bank only .
Muthu ,. What does bank say about this 25 enqiry ?
Manish
did not check with them yet. will raise a query and see what they have got to say.
to cibil,
In my credit report, there were almost 25 instances of enquiry from citibank for credit card on the same day? How can you provide 25 queries to the same institution for the same type of finance on the same day? Would it not affect our scores?
Others on this forum have also reported this problem for other banks. I tried to log a complaint, but could not as the date was past 60 days from the date of report.
thanks,
Muthu.
For resolution of your queries, kindly write to us online by visiting the following url on our website: http://www.cibil.com/contact-us.
If any information on your CIR is inaccurate or needs to be updated, we shall be pleased to help you with the Dispute Resolution. The easiest way to initiate a dispute request is by submitting a duly completed On-Line Dispute Form available on our website: http://www.cibil.com/consumer-dispute-resolution.
We would further like to advise you not to divulge personal / financial information on public forums.
555 is a low score,, the good news however is that it can be improved. again, such improvements are not “quick fix” solutions.
.
We do provide precisely this service where we analyse your report and provide solutions as to what to do and how to do to correct and improve credit history and scores. Your score will have been impacted by what you mention ,,however there could be other factors also.
Thanks Manish for your reply.
I have already read the details on link you provided and thought to go to bank for this thing. Just like to know how much it would take to update CIBIL once bank takes an appropriate action on my items.
Thanks
Rajan
Rajan
We have discussed them in detail here https://www.jagoinvestor.com/2012/04/tips-to-improve-cibil-credit-score.html
But not that you first have to contact the bank and first resolve the issue with them . If they need to be removed and its a bank mistake then they will remove it and update CIBIL
If its your mistake, then you will have to pay off full outstanding amount and then bank will update CIBIL
Untill its removed, better not to apply any loan
Manish