[Resolved] Credit Card — CIBIL REPORT | |||
Dear Sir, SUB : ABSOLUTE CALLOUS ATTITUDE of CIBIL DEPARTMENT towards my CREDIT RATING This is to bring to your notice that , in last 9 months , I have applied for Personal Loan at 7 different banks , and each time it has got declined . The reason cited by the credit officers of all these banks is that , my CIBIL report is bad , due to some 21000 outstanding shown against some credit card, showing closed in 2006. Sir , this is just shocking and something damaging my reputation . I do not have any outstanding against any Credit Card company , nor I am a defaulter. Problem is that , the Credit Officers of all these banks , from where my personal loan applications have got declined , are expressing their inability to do anything at CIBIL and I do not have contact details or any knowhow or whereabouts of anybody at CIBIL whom I can escalate this issue. After having lost all hopes from all quarters, I am forced to bring this to your kind notice ; and seek redresssal of my grievance. Sir , I being a working class citizen, do keep needing Personal / Housing / Car loans , and I had infact availed Housing Loans and only one Credit Cards in the past , but all of those have clear track record . This 21000 outstanding is showing against which card even I do not know (since the CIBIL report does not reveal that) . Request you to please , instruct CIBIL to solve this issue and clear my credit history. Thanking You, Shib Prasad Pattnaik. Date of Birth-27/05/1974. Pan-No-AHPPP9882K. H-2/3,VATIKA GREEN CITY. DIMNA ROAD. MANGO. JAMSHEDPUR-831012. MOBILE-[protected]. MAIL-ID-shib.[protected]@rediffmail.com/shib.[protected]@avivaindia.com Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 7 Comments | |||
Comments
Hi,
I donot have any existing repayment issues with any Banks. I am holding an active credit card for HSBC and also have a car loan with SBI for past two years without any complaints re-payment defaults. However, when I am applying for credit card with other Banks I am getting a reply as quoted below. Could somebody help me to get out of this issue with CIBIL.
"We have reviewed your application. We regret to inform you that we are currently unable to approve your application for a Citibank Card, as feedback from Credit Bureau of India Ltd (CIBIL) does not meet our minimum credit criteria.Please note this does not mean negative credit feedback."
I donot have any existing repayment issues with any Banks. I am holding an active credit card for HSBC and also have a car loan with SBI for past two years without any complaints re-payment defaults. However, when I am applying for credit card with other Banks I am getting a reply as quoted below. Could somebody help me to get out of this issue with CIBIL.
"We have reviewed your application. We regret to inform you that we are currently unable to approve your application for a Citibank Card, as feedback from Credit Bureau of India Ltd (CIBIL) does not meet our minimum credit criteria.Please note this does not mean negative credit feedback."
CIBIL — SUB : ABSOLUTE CALLOUS ATTITUDE of CIBIL DEPARTMENT towards my CREDIT RATING
Dear Sir,This is to bring to your notice that , in last 9 months , I have applied for Personal Loan at 7 different banks , and each time it has got declined . The reason cited by the credit officers of all these banks is that , my CIBIL report is bad , due to some 21000 outstanding shown against some credit card, showing closed in 2006.
Sir , this is just shocking and something damaging my reputation .
I do not have any outstanding against any Credit Card company , nor I am a defaulter.
Problem is that , the Credit Officers of all these banks , from where my personal loan applications have got declined , are expressing their inability to do anything at CIBIL and I do not have contact details or any knowhow or whereabouts of anybody at CIBIL whom I can escalate this issue.
After having lost all hopes from all quarters, I am forced to bring this to your kind notice ; and seek redresssal of my grievance.
Sir , I being a working class citizen, do keep needing Personal / Housing / Car loans , and I had infact availed Housing Loans and only one Credit Card in the past , but all of those have clear track record . This 21000 outstanding is showing against which card even I do not know (since the CIBIL report does not reveal that) .
Request you to please , instruct CIBIL to solve this issue and clear my credit history.
Thanking You,
Shib Prasad Pattnaik.
Date of Birth[protected].
PAN-NO-AHPPP9882K.
CONTACT-NO-[protected].
Dear Mr. Shib,
I would suggest you get a copy of your credit rating report directly from CIBIL. All you need to pay is Rs.142 and send them the copy of the receipt along with your ID proof and address proof (address should match what you give in the application form). Once you get the report check if there is any outstanding against your name and your report (good or bad rating). Since you have only one card earlier, call that card company and ask for details. If they say there are outstanding ask them the reason. If there is something you need to pay (if any fault on your side), please pay or else you might not get good rating in CIBIL,
If there is no outstanding send them a mail asking to give clear report to CIBIL, mark a copy to bank ombudsman and also a copy to RBI. This will get sorted out in a weeks time.
Let me know if this make sense to go after.
Regards,
Hari
I would suggest you get a copy of your credit rating report directly from CIBIL. All you need to pay is Rs.142 and send them the copy of the receipt along with your ID proof and address proof (address should match what you give in the application form). Once you get the report check if there is any outstanding against your name and your report (good or bad rating). Since you have only one card earlier, call that card company and ask for details. If they say there are outstanding ask them the reason. If there is something you need to pay (if any fault on your side), please pay or else you might not get good rating in CIBIL,
If there is no outstanding send them a mail asking to give clear report to CIBIL, mark a copy to bank ombudsman and also a copy to RBI. This will get sorted out in a weeks time.
Let me know if this make sense to go after.
Regards,
Hari
Dear sir !
I M. Srikanth Reddy has applied for credit card in HDFC Bank as i am eligible for credit card
but as per CIBIL report it is showing that i am a defaulter , to bring to your notice i don't have any
out standings as of now i cleared every thing that i had in the past.
I had car loan in the past in HDFC Bank with loan agreement number[protected]
for this i got clearance letter on 1st March 2011, my pan card number - AJTPM9382K
so please do the needful as soon as possible
Thanking you
M. SRIKANTH REDDY
Mobil - 91 [protected]
I M. Srikanth Reddy has applied for credit card in HDFC Bank as i am eligible for credit card
but as per CIBIL report it is showing that i am a defaulter , to bring to your notice i don't have any
out standings as of now i cleared every thing that i had in the past.
I had car loan in the past in HDFC Bank with loan agreement number[protected]
for this i got clearance letter on 1st March 2011, my pan card number - AJTPM9382K
so please do the needful as soon as possible
Thanking you
M. SRIKANTH REDDY
Mobil - 91 [protected]
CAR AND PERSONAL LOAN — AGREEMENTS CLOSED BUT STILL LIVE IN CIBIL
i HAD TAKEN A CAR LOAN AND PERSONAL FROM SBI IN THE YEAR 2007 AND 2006 RESPECTIVELY, I HAD CLOSED BOTH THE AGREEEMNTS IN THE YEAR 2011 AND 2010 SUBSEQUENTLY. I HAD GOT THE NOC LETTERS FROM THE RESPECTIVE BANK.BUT THE LOANS STILL APPEAR AS LIVE IN CIBIL REPORTS WHICH IS DAMPERING MY CREDIT SCORE.
PLS HELP ME OUT IN CLOSING THE AGREEMENTS IN CIBIL AS WELL.
And my loan process also stopped and am finding very difficult to manage.
Requesting any suggestion to solve the above issue.