CIBIL — who is winner
I applied for a loan,the bank told me that I have some default in my report.Itold them that it is impossible..They told me about one home loan which I never taken.The bank gave me one control number and told me to go to cibil office to correct my report.When I reached cibil office ,I was surprised by the office luxury and wonder that where they are getting this money to run a office in Nariman point.Anyway I met with the executive and told them my story.They told me I have to apply by post and pay Rs 142 only to get my report.Then I have to find out which bank reported wrong ,then I have to go to that bank for correction,for which bank I donot know anything.Then it will be corrected after 3 months.
So I applied in a co-operative bank and I got loan in one week.
I am an NRI and my salary is about 4 lacs per month.I got my loan,my bank got a good customer ,because I transferred all my deposits,investments to co-operative bank.
Only the looser is,the banks who fooled by fictious reports.
Now I want to explain the operation.as I think by my experience and harrasment-
There are 20 million records in cibil database.If they put wrong information for 10 million also,so calculate 10 million multiplied by 142 rupees.
And for the banks,just put randomly their non performing assets to many customers who they don't know,straightway their balance sheet will be balanced.
Many people,whom I donot know approached me that they can remove my details from cibil report by paying 20000 only,but I never tried..
May bbe I am luckky,,but for the people,who is harrassed by cibil should make one forum.
I am confused,but need some solutions.pllease write