Hi Manish,

I’m regular reader of your articles, I appreciate the initiative you have taken to make common people understand these complex things in so simple manner, believe me you must have brought happiness and awareness in my lives.

I need you help, this question is in my mind since long back, please throw some light on it.

I have worked in four companies and everywhere I had salary account, all these accounts belongs to different banks, salary account provided by last three employers has been converted into savings bank account since I’m not using them, some account shows negative balance.

I want to know whether it will affect my credit rating by CIBIL or any other financial institution, shall i get these account properly closed, please suggest.