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Credit Information Bureau India [CIBIL]

[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).
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Aug 13, 2020
Complaint marked as Resolved 
 
734 Comments

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Comments

I want to know whether my name is in cibil
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CBIL is bull ...there is no control/ supervision on the financial institutes...and such institutes will decide your credit.. Even if you pay and clear all your debts, there is no guarantee that your name will be removed from the list... If any body gets on CBIL, then its done...no option for it...
This people are trying to copy and imitate the credit system of other country(USA). But has failed to implement it 100%...there in USA, a person will LOW CREDIT SCORE will get loan and other financial facilities...but at higher rate of interest depending on risk.. but there, they still have a chance...
Here, you are screwed...
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dear sir, I have aplied for bajaj consumer loan in october but they refused for loan.iwant to know my report bcz iam a govt.servant and Ihave paid all my payment.what happened.
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my lief is interrested
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in my cibil report it is mention the i have credit card of 96, 000/- in 2007, but i does't have any credit card since 2000 so please give the details & clear my cibil report
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I found lot of noise to get the clarification of Own CIBIL Credit report. I'm also one of you.
i found something on net this may help you to get your CIBIL Credit Report. CIBIL says so.

Let me know if this helps you all to get your CIBIL Credit Report

Best of Luck.
SMIT
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How I can check my reports in CIBIL .please guide me .I need to check whether I have any report in the CIBIL



thanks,
Manikandan
Reply
i have applied for home loan of Rs. 18 Lacs which was offered by bank on my banking record with SBI bank. 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 experience of finance services with ICICI, Sbi credit cards, by i was surrendered all these 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
Sir its my humble request to you that I have to apply for Housing Loan. Please suggest and do the need full
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there is a mistake happens form cibil were my name is arunkumar sambamurthy they have clubbed my report with one mr arunkumar agarwal i have always been paying my personal loan and car loans on time and cleared all my loans to my surprize now when i applied for housing loan some body name is arunkumar agarwal is reflecting were he has bounced and has two overdue amount for sbi bank which out my mistake iam facing this problem . is there any ways i can solve this problem kindly advice me.
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Dear Sir

Please note that amount of Rs40, 000/- approx. is being shown outstanding against a car loan from HDFC Bank.

I want to inform you that HDFC Bank has not disbursed the loan to me and I being a genuine customer kept on paying them the EMIs for 15 months and made several complaints to them but no one was interested in helping me.

You being a Credit Information Bureau don't think to verify the records for genuinity and just put the person as a defaulter for which we suffer without any reason.

Please prepare the report after proper verification from the bank and rectify the same.
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sir, how can i know my cibil report with out paying money, sir can u please help me on this issue. plz sir.
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Dear Sir,

Please kindly send my CIBIL Report my mail id (yogesh.[protected]@caparo.co.in)

Thanks & Regards

Yogesh Agrawal
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i have applied for home loan, on the submittion of documents, now i am told that bank will not process the papers for dibursement of loan as my name has appreared in CIBIL list. However, after persutaion with bank the only imformaion told is that some amount is outstanding against me, of which bank/credit card etc, it is not being told.
Although i am taking up the matter with CIBIL to provide the details but same will be taking time and my builder is putting penalty as my outstandin is due.
pl guide me on this how to expidite the matter as i am prepared to clear my dues if may on me, but i should now where and to whom i have to make payement.

shankar srivastava
[protected]@gmail.com
Reply
in cibil report there is a loan deatiles as follows

Sanctioned- Rs, 30000/-
current balance- Rs 45781/-
Over due -Rs45781/-
Date of loan taken 20/09/06
last date payment 5/06/200
Repayment Date 30/09/09
I have not taken such loan as appered in cibil report, because of this iam not able to get loans from other instutions kindly clarify the same pls mention from which bank that belongs reply immlty.

yours
GIRIYAPPA
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i sushil kumar pandey d.o.b[protected]. i have applied two-wheel loan in sbi but they said your name in cibil bad business loan142000/- but i not got loan. sir, pl.info. bank name and loan a/c no. pl. tks.
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You need to send a dd for 142 to cibil along with a request form which is on cibil and you get the exact report that credit grantor view. i checked it on cibil website.
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pls help me for removing my names in cibil report.
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How can I get my cibil report from cibil.
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Dear Sir / Madam,

Its' almost 5 Years back Standard Chartered Bank wrongfully included 'ROYAL SUNDARAM" policy on my credit card. Both bank and royal sundarm made me run from pillar to post to remove policy and it's amount from my credit card. But it was too late Bank told me that "they cannot reverse the amount and I have to pay the sum".

I agreed to settle the account with foreclosure of credit card. Even after making the payment bank just kept harrasing me to make the payment. Which is obvioulsy unetthical on banks part.

Now, If you see there is clearly no fault of mine & I have to embarrass myself for not getting consumer loan whenever I apply for the same.

Request you to please help me in this matter to remove my name from credit defaulters list and let me live a happy life...

Thanking you in advance for your help and support.

Regards,
Kamlesh Lakhwani

P.S: I also forgot to mention that during this period I took a personal loan of Rs. 1, 00, 000 and repayed the same much before ending term. I can prove the same since I have the letter issued by the bank.
Reply
Dear sir

Please explian why my name is appare in CIBIL report.

I am already done the full payment of my HSBC credit card in nov 2010
Reply

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