I have had bad financial history and I want to correct my cibil rating, which stands at 634 now.
I have around 6 loans/CC having ‘settled’ status in my cibil report. I understand the fact that I need to reach out to the bank and pay back the remaining money to have a null status in cibil.
But the problem i’m facing is that, 3 of the banks i have contacted have confirmed to me that i dont owe anything to bank and it is zero balance in their records. they have confirmed they would send me the NOC/No Dues certificate in 2 weeks. [whereas, I remember all 3 were settled with <10k discount]
Now my question is, Can I claim a dispute with cibil with the NOC/No dues certificate given by the bank to remove the settled status? or if there is a better way to deal with this issue.
Thanks