Dear Manish,
I had taken a Personal Loan of 150000 from CITI Financial in Nov 2009 and Recently around 5 months back I became defaulted for non paying of EMI for 4 months and CITI Financial has reported my status as WRITTEN OFF but still I continue paying my dues every month paying 2 EMI to ensure my outstanding reduces but I could see in my report only Principal amount is reducing and interest is increasing and I dont know what to do and agency person is forcing me to settled down by paying 45k against total outstanding of 90000 collectable as per statement but he is not giving any guarantee on Written off status removal, Please let me know how do i repair my credit report ,I dont want to go for settlement either ,I had paid money to Debt Doctors company who claimed to solve these kind of issues ,but after taking money they haven’t called me back till now nor did any research on my account. Please let me know best solution to come out as well as repair my credit report so ensure in future no problem for me to take Housing loans