I had applied to SBI for home loan transfer from IDBI bank. I had completed the documentation and at the time of log in the case , the shocker comes!!!. As per my CIBIL report; though my score is 833, the settled credit card of HDFC bank in 2006 is the main impediament in getting the home loan from SBI. I had paid amount to credit card and it was settled by HDFC bank. Now in the CIBIL report it is showing as Post write off Settled. SBI officials are not ready to process my loan and as per them in primary stage itself the file will be rejected. They are sticking to the rules and do not want to see my repayment history. IDBI bank had sanctioned the loan on the basis of explanation given to them. BTW my present ROI at IDBI is 10.5% and I was willing to opt for SBI max gain with ROI 9.95%. How to proceed further??? Is there any way that I will be able to transfer my loan from IDBI to SBI apart from paying the O/S of HDFC credit card??? This CIBIL score has made the life worse for the many peoples like us. It is not that customers are always wrong sometimes banks are also equal contributer. But the catch line is that only customers will be at receiving end. As per my knowledge the minimum duration for CIBIL status will be 07 yrs which I will be compliting. But there is no guarantee that after this duration whether my status will be change or not??? Please have your views on it…