I had 2 credit cards which I settled in 2008. The latest CIBIL report displays ‘ WRITTEN OFF’ and SETTLED” against each cards.After how many years is the negative record in CIBIL gets removed? This barred me from getting home loan, from LIC, credit cards from other banks till date. At this juncture I AM IN NEED OF A HOME loan. How did I get a loan? How do I improve my CIBIL SCORE.? and will there be a TIME when the negative marking like” written off” and so on will be removed from my CIBIL account?
Is there any bank which can still give me Home loan desipte my CIBIL record?