[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
icici and abn amro credit cards — making cibil score low
Dear Sir,I am m.g. srinivas unfortunately having credit card and facing finacial problems from them.
1. on dec 2006 forcefully received credit card of abn amro bank, and until today I have not used and not even remove the sticker of the credit card from that letter pasted to the credit card. the letter come to me to pay the amount of Rs. 1802-00. I contacted that credit card dept. and told them I have not used credit card. they are in silent and from last 3 months they put that in cibil statement. and that shows the due of Rs. 1802-00. I once again visited m.g. road branch of abn amro and show all the details. they oblige and I have received one phone call that the card is cancelled, n.o.c. will be received within 15 days. but it is already 40 days completed. until now I have not received that letter.
the cibil score is as and the same of low score. I am unable to get the top up loans in that bank.
2. in icici bank they are forced me to take the icici lambard insurance and they are not sending any documents to me. I told them that I have not received any documents and cancel the insurance. they are cancelled and put me cancellation charges. for their mistake I have to pay cancellation charges of Rs. 10000-00. this is not fair. I have make lot of calls and they are not agree to cancel the cancellation charges.
for these reasons the cibil score is low and I am unable to get the loans from other bank. my loan statement is very correct, there is no dues in any loan account.
please help and give suggestions to me to get out from the problems of this cibil statement.
thanks
srinivas. m.g.
Dear sir,
I am M.G. Srinivas, and I have credit card of icici, and the icici lambard insurance company's misguide and mistake, I am unable to pay the amount to the credit card. and my credit card no. is [protected].
will you please tell me what is the due amount in my credit card?
also I have cancelled abn amro credit card bearing no. [protected], and I have received no due letter from that bank by mail. If you want I can forward that letter to you.
but now some bank officials told me that my cibil score low
for the mistake of others I have to suffer.
please give suggestions and help me to come out of it.
awaiting for your reply
thanks
m.g. srinivas
I am M.G. Srinivas, and I have credit card of icici, and the icici lambard insurance company's misguide and mistake, I am unable to pay the amount to the credit card. and my credit card no. is [protected].
will you please tell me what is the due amount in my credit card?
also I have cancelled abn amro credit card bearing no. [protected], and I have received no due letter from that bank by mail. If you want I can forward that letter to you.
but now some bank officials told me that my cibil score low
for the mistake of others I have to suffer.
please give suggestions and help me to come out of it.
awaiting for your reply
thanks
m.g. srinivas
my name is devesh tiwari, date of birth is 24.10.1966.and pan no is ACSPT6045Q .Pls provide me all the details related my creditibilty.if i am in defalter list of any bank or financial inst.
devesh
mob. [protected]
devesh
mob. [protected]
My cibil is showing a default in credit card which I don't have. Due to this my application got rejected every time I applied for credit card or lone. And the related professional told me that I will not get any financial facility in future if this default is not rectify.
Currently I am using 2 credit cards and having a good track with them paying my dues timely for the last 3 years.
I want's to know that what should I do to fix the problem either I go to the comsumer court and sue the agency or there is any other option.
Please help me I am very tensed due to this problem.
Currently I am using 2 credit cards and having a good track with them paying my dues timely for the last 3 years.
I want's to know that what should I do to fix the problem either I go to the comsumer court and sue the agency or there is any other option.
Please help me I am very tensed due to this problem.
actually i want to my cibil report
and especially abt my father --- ABHIMANYU RAMHIT SINGH -----
REQ U TO PLS REPLY ASAP
and especially abt my father --- ABHIMANYU RAMHIT SINGH -----
REQ U TO PLS REPLY ASAP
Hello,
My name is [name removed] I have applied many times to get the credit cards from all the banks but unfortunetly all the time it gets decliened due to CIBIL Credit report,
please do the needful to send the copy of the credit report and what do i do to have a positive focus on my credit report and where can i check my credit status.
Thanks,
[name removed]
My name is [name removed] I have applied many times to get the credit cards from all the banks but unfortunetly all the time it gets decliened due to CIBIL Credit report,
please do the needful to send the copy of the credit report and what do i do to have a positive focus on my credit report and where can i check my credit status.
Thanks,
[name removed]
i have credit card in past and some problems in payment but i was settle the payment with recover agent 10 months ago. now i m able to apply new credit card.
hello, sir
i was a credit card holder of icici bank. last year the icici bank send a statement of 5000/- Rs. i contact the bank & inform for the same, that i did not done this transaction. they told me that this amount we had deduct in the favor of icici Lombard life insurance policy, i asked that phone banking officer with out my permission how could they issue the icici Lombard policy. they said sorry to me & send cancellation letter for the same but still i was receiving the credit card statement of the same amount from the bank.i complaint to the bank many times still i was receiving the statement. If icici bank can't do any thing then who is the responsible. i don't want your bank credit card and i surrender the credit card. I got every record, request number, phone banking officer name. but i was helpless, they gave me threaten call. When i refused to pay the amount they made me as defaulter customer, put my name in (CIBIL) it is directly black mailing. Now finally i had paid the amount and settled all my dues with icici bank but still i am defaulter member how could i erase my name From (CIBIL) TELL ME SIR.
i was a credit card holder of icici bank. last year the icici bank send a statement of 5000/- Rs. i contact the bank & inform for the same, that i did not done this transaction. they told me that this amount we had deduct in the favor of icici Lombard life insurance policy, i asked that phone banking officer with out my permission how could they issue the icici Lombard policy. they said sorry to me & send cancellation letter for the same but still i was receiving the credit card statement of the same amount from the bank.i complaint to the bank many times still i was receiving the statement. If icici bank can't do any thing then who is the responsible. i don't want your bank credit card and i surrender the credit card. I got every record, request number, phone banking officer name. but i was helpless, they gave me threaten call. When i refused to pay the amount they made me as defaulter customer, put my name in (CIBIL) it is directly black mailing. Now finally i had paid the amount and settled all my dues with icici bank but still i am defaulter member how could i erase my name From (CIBIL) TELL ME SIR.
Dear Sir,
I have credit cards from banks and was making payments on time but i lost my job and unfortunately i am not able to get 1 till now.
I dont have any intention to default but due to bad finance situation i am not in a postion to pay any emi since last 3 months.
I am deeply depressed due to the situation and also facing severe problems at personal & family front.
Also there were 2 Personal loans but thier EMI's bounced since last 2 months.please advise me im in deep touble.
Please guide me what can be done.
I have credit cards from banks and was making payments on time but i lost my job and unfortunately i am not able to get 1 till now.
I dont have any intention to default but due to bad finance situation i am not in a postion to pay any emi since last 3 months.
I am deeply depressed due to the situation and also facing severe problems at personal & family front.
Also there were 2 Personal loans but thier EMI's bounced since last 2 months.please advise me im in deep touble.
Please guide me what can be done.
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+91 22 6140 4300 [Helpline]
+91 22 6638 4600 [Corp Office]
Hoechst House, 6th Floor, 193 Backbay Reclamation, Nariman Point, Mumbai, Maharashtra, India - 400021
Please guide me.I have two loans existing loans.I need to check whether I have any report in the CIBIL.
regards,
jigar shah