[Resolved] CIBIL Credit Report — CIBIL CREDIT REPORT | |
There are two credit bureaus that maintain your credit data in the country now, the prominent among them is CIBIL or Credit Information Bureau (India) Ltd. The newly notified Credit Information Companies Regulation Act , 2005 (CICRA) gives a consumer several rights with regard to credit bureaus. 1) First you should approach CIBIL (www.cibil.com) to get a copy of your own credit report. This right is given to you by CICRA. Make the request officially in writing and get an acknowledgement for your request. 2)This report will then outline what exactly is reported by the bank in respect of your credit account and enable you to take action accordingly if there is any error in the reporting. Specific measures have been provided in the CICRA for the consumer to raise a dispute in respect of any wrong reporting with a time bound dispute resolution mechanism that has been built in. You can take up the matter with the concerned bank by posting a complaint on their website and keep proof of that with you. If there is no response from the bank within 15 days, you can lodge a complaint with banking ombudsman (www.bankingombudsman.rbi.org.in). Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
734 Comments | |
Comments
Sir,
I have applied for housing loan from a GIC Housing Finance, but they have asked for the clarification from the said cibil consumer credit information report. Sir, I have already paid my credit cards payment, and the remaining one card's balance will be paid shortly before 31st of march 2009.
Sir, as per your records my control number is 38, 53, 09, 035
and the ststement showing the dues are in my accounts as given below-
a) Rs: 64, 729/- dated[protected]
b) Rs: 38, 062/- dated[protected]
c) Rs: 15, 259/- dated[protected]
d) Rs: 11, 408/- dated[protected]
Sir, so please update my account and send the clear report as the earliests.
Thanking you sir,
your's truly
C.Prasad Rao
Mobile no. [protected].
I have applied for housing loan from a GIC Housing Finance, but they have asked for the clarification from the said cibil consumer credit information report. Sir, I have already paid my credit cards payment, and the remaining one card's balance will be paid shortly before 31st of march 2009.
Sir, as per your records my control number is 38, 53, 09, 035
and the ststement showing the dues are in my accounts as given below-
a) Rs: 64, 729/- dated[protected]
b) Rs: 38, 062/- dated[protected]
c) Rs: 15, 259/- dated[protected]
d) Rs: 11, 408/- dated[protected]
Sir, so please update my account and send the clear report as the earliests.
Thanking you sir,
your's truly
C.Prasad Rao
Mobile no. [protected].
Hi,
I am using AXIS card for one year. Till date there is no due amount in my Credit card, I tried to apply Credit card in other bank it got denied, As checked my name is presented in CIBIL it is complained by AXIS bank. This month march also I made my bill amount of 1500rs but the bank as putted me in CIBIL I don’t know y and they denied my card too.
I am using AXIS card for one year. Till date there is no due amount in my Credit card, I tried to apply Credit card in other bank it got denied, As checked my name is presented in CIBIL it is complained by AXIS bank. This month march also I made my bill amount of 1500rs but the bank as putted me in CIBIL I don’t know y and they denied my card too.
Hello Sir,
I used ABN bank before one year my credit card limit is Rs 27000 in that I purchased amount of 25k and on that month I got bill amount of 34k I got shocked and I checked with bank they informed me that they added the tour package of 4500 and insurance coverage of rs 1500
Without my confirmation. and they added over limit charge and fine amount 2000+ I called to the customer care and raised the complaint on this they cancel the insurance and tour package on same I made my bill amount of 25k on next month I got bill of 1500 I called to the customer care and informed and they said we will take this as request and we do the favor. After that I am not in Chennai for 8month and came back and checked the bill as came for 8000rs I got shocked and again called and complained but they ask me to pay 500rs for processing fees. I made but there is no action taken it happen two times.
I raised complaint to close my account they taken request for 1month and they called me on last Dec2008 and had discussion about that and they asked me to pay 1500rs to close the account and I send mail multiple times to the bank. As finally they send mail as urs account as been closed. As checked now they putted my in CIBIL.
Kindly do the needfull.
Regards,
Murali Krishnan
I used ABN bank before one year my credit card limit is Rs 27000 in that I purchased amount of 25k and on that month I got bill amount of 34k I got shocked and I checked with bank they informed me that they added the tour package of 4500 and insurance coverage of rs 1500
Without my confirmation. and they added over limit charge and fine amount 2000+ I called to the customer care and raised the complaint on this they cancel the insurance and tour package on same I made my bill amount of 25k on next month I got bill of 1500 I called to the customer care and informed and they said we will take this as request and we do the favor. After that I am not in Chennai for 8month and came back and checked the bill as came for 8000rs I got shocked and again called and complained but they ask me to pay 500rs for processing fees. I made but there is no action taken it happen two times.
I raised complaint to close my account they taken request for 1month and they called me on last Dec2008 and had discussion about that and they asked me to pay 1500rs to close the account and I send mail multiple times to the bank. As finally they send mail as urs account as been closed. As checked now they putted my in CIBIL.
Kindly do the needfull.
Regards,
Murali Krishnan
i want to know my cibil report for loan please give some guide for this
I want to check my cibil report.
Please give reply
I have applied for a home loan but there is an amt of 17100 showing in my cibil report as due agst credit card. I wish to know pls mention me the card no.as I have no overdues agst any card.
hello sir,
i have applied car loan. everything is fine but at last they people said that your name is in cibil so you dont get the loan.
sir, at my bad finance position i was surrendered all the credit cards and pay the settled amount for that i m having all the noc letter from bank. but they dont want that.
sir now i want loan but any bank is not giving. sir please suggest how can get a loan
regards
Shyam sunder Pandey
Dop: 12/07/1983
Pan.no. ALRPP6017C
i have applied car loan. everything is fine but at last they people said that your name is in cibil so you dont get the loan.
sir, at my bad finance position i was surrendered all the credit cards and pay the settled amount for that i m having all the noc letter from bank. but they dont want that.
sir now i want loan but any bank is not giving. sir please suggest how can get a loan
regards
Shyam sunder Pandey
Dop: 12/07/1983
Pan.no. ALRPP6017C
dear sir,
our company closed one year before.settle all bank accounts . we have bank n.o.c. when we are again take loan from bank.
we are not willful defaultor.
our company closed one year before.settle all bank accounts . we have bank n.o.c. when we are again take loan from bank.
we are not willful defaultor.
i want to know my cibil report for loan please give some guide for this
Hi,
I have 4 credit cards and till date i have not used any of my credit cards and all these credit card people issued me this card saying that it is free of cost.
Please note that as per my knowledge they do not issue credit card to ADVOCATE.
Recently i had applied for the vehicle loan from the showroom finance named Fullerton Bank and they got back to me saying that my name is listed in CIBIL and the outstanding amount is Rs.1040.00. When i asked them to give the bank name they said me that it is highly confidential and they also said me that if my name is appeared in CIBIL i will not get any loan in future.
Only after that i came to know about CIBIL. When i have not used any of my credit cards how is that my name has been appeared in CIBIL.
Please provide me the details of the bank which has put my name in CIBIL so that i can take necessary leagal action against them. Because of this my reputation is spoiling very much and i am undergoing lot of mental harassment from my family members for no fault of mine.
I will cancel all my credit cards because these credit card people are cheating the people who have not even used the cards.
KINDLY PLEASE SENT ME THE REPORT OR THE BANK NAME ASAP WHICH IS SPOILING MY REPUTATION.
Thanks,
Rashmi.
I have 4 credit cards and till date i have not used any of my credit cards and all these credit card people issued me this card saying that it is free of cost.
Please note that as per my knowledge they do not issue credit card to ADVOCATE.
Recently i had applied for the vehicle loan from the showroom finance named Fullerton Bank and they got back to me saying that my name is listed in CIBIL and the outstanding amount is Rs.1040.00. When i asked them to give the bank name they said me that it is highly confidential and they also said me that if my name is appeared in CIBIL i will not get any loan in future.
Only after that i came to know about CIBIL. When i have not used any of my credit cards how is that my name has been appeared in CIBIL.
Please provide me the details of the bank which has put my name in CIBIL so that i can take necessary leagal action against them. Because of this my reputation is spoiling very much and i am undergoing lot of mental harassment from my family members for no fault of mine.
I will cancel all my credit cards because these credit card people are cheating the people who have not even used the cards.
KINDLY PLEASE SENT ME THE REPORT OR THE BANK NAME ASAP WHICH IS SPOILING MY REPUTATION.
Thanks,
Rashmi.
54%
Complaints
1314
Pending
0
Resolved
686
+91 22 6140 4300 [Helpline]
+91 22 6638 4600 [Corp Office]
Hoechst House, 6th Floor, 193 Backbay Reclamation, Nariman Point, Mumbai, Maharashtra, India - 400021
I have applied for housing loan from a GIC Housing Finance, but they have asked for the clarification from the said cibil consumer credit information report. Sir, I have already paid my credit cards payment, and the remaining one card's balance will be paid shortly before 31st of march 2009.
Sir, as per your records my control number is 38, 53, 09, 035
and the ststement showing the dues are in my accounts as given below-
a) Rs: 64, 729/- dated[protected]
b) Rs: 38, 062/- dated[protected]
c) Rs: 15, 259/- dated[protected]
d) Rs: 11, 408/- dated[protected]
Sir, so please update my account and send the clear report as the earliests.
Thanking you sir,
your's truly
C.Prasad Rao
Mobile no. [protected].