CIBIL Status shows as WRITTEN OFF inspite of paying the Loan Amount in FULL

POSTED BY naushadmugut ON May 29, 2014 9:22 pm ONE COMMENT

I have a question regarding CIBIL.

In the Year 2005 I took a 2 Wheeler Loan for 4 Years. I Paid 46 Installments. My Bank account was changed and the last 2 EMI\’s were pending. At that time I was not aware and hence I did not bother to clear those installments.

Till March 2014 The aggregate amount due was 13500. I paid some 10000rs up till 2013. In this Year March 2014 I paid all the amount and did a proper foreclosure.

The Bank updated the CIBIL for the 2 wheeler account as Written OFF

DATE CLOSED     29-03-2014

DATE OF LAST PAYMENT     31-05-2012

My question is if i have paid the entire amount then why the status is WRITTEN-OFF


I asked the above to HDFC Bank from were the loan was taken and below is the reply from them.

Dear Customer,

Thank you for writing to us.
This is with reference to your e-mail dated May 28, 2014 regarding CIBIL.
We would like to inform you that the credit information report for each person is an aggregation of of information provided by the financial institutions on loan facilities (including overdraft limits and credit cards) availed by him/ her. Such a reporting is mandatory in terms of the Credit Information Companies (Regulations) Act, 2005.

Only the actual track record of each loan account is reported to CIBIL. This reporting is by way of monthly updates of extract from the loan accounting system. This extract includes the amounts overdue (if any) and the classification of the loan account for that month. The actual track record is maintained for the entire duration of the loan.
CIBIL also assigns a “credit score” to each person depending upon his/ her overall performance in repayment of loans taken from all sources. This credit score is refreshed with every update provided in respect of the person.
Once the loan is settled, by  full payment or through settlement the final status is updated accordingly. Any amount written off is also maintained in the credit report.
CIBIL acts as a powerful tool for financial institutions to take an informed decision on credit proposals. The past track record of each applicant, especially any tendency to default, is a critical input and has to be presented accurately.
Hence, we will be unable to delete your details from Credit Information Bureau.
We also invite you to visit the official web site of CIBIL and check their section on “frequently asked questions” or write to CIBIL (
Please click on the below link to find the contact details of CIBIL.

In line with our focus and commitment to Customer Service, we trust the issue has been resolved to your satisfaction. If you are not satisfied with the resolution, you may write to our Grievance Redressal Officer Mr. Shrikant Shashikant Sapre at HDFC Bank Ltd., 5th Floor, Tower B, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel (West), Mumbai 400013 or E-mail at

Alternatively, you can call our grievance cell at Toll Free: 1800 22 4060 or Tel: 022-28569303.

One reply on this article “CIBIL Status shows as WRITTEN OFF inspite of paying the Loan Amount in FULL”

  1. Ashish Garg says:

    Did you get a no dues certificate from the bank while closing the loan. If you have the certificate, you can always ask the bank to update the same in CIBIL records. It may take 2-3 months depending upon pro-activeness of bank.

    Meanwhile you can also inform CIBIL about the same and try to negate the Written Off remark. For future borrowings, this no dues certificate shall help you.

    Since you have repaid the loan over a delayed time period your score may have already taken a hit and shall take some time to improve further.

    Now, in case you do not have a No Dues certificate, ask the bank now to issue the same immediately.

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