CIBIL Defaulter — SHOCKED ABOUT CIBIL REPORT

Address:

South Delhi, Delhi

I Jagdish M, S/O late MP Muddappa, PAN card no AGIPM5767G, is an Army Offr residing at #22, Type 3, NSG campus, Samalkha, Newdelhi-37, DOB 05 Mar 1968, Mob No [protected], I had applied for online Citibank credit card and recieved reply that i does not meet minimum credit criteria of CIBIL. whereas till date I have not taken a single credit card from any bank, and the only home loan which i have taken from IDBI bank , i have not missed a single EMI till date, I dont have any other loans against me. Then on what basis the CIBIL is determining my credit criteria, few bank agents from SBI, HSBC, ICICI etc had collected all my personal documents for issuing credit cards which i never received tilldate, does it mean that someone else has collected my credit card and misusing it, I request the CIBIL to please clarify the same and for no mistake of mine why should i suffer.