[Resolved]  Debt Doctor — Loan and Credit Rating

Hi, I'm trying to apply for personal loan through HDFC and Standard Chartered, i have good account balances with 0% default in any of the dues on EMIs etc. I holded a Credit Card through HSBC 4 years ago which was closed on mutual settlement clearning a SUM of Rs. 8K for 11K o/s. after which i had indeed obtained loans from ICICI, Braclays and HDFC with no issue to my credit rating. Of late i was been sounded as negative credit rating. I had applied for the credit records with CIBEL on two occassions paying the required fees but still i have been not served with the requested record and moreover i'm pushed to one end to another. Please help on how to come out of this? i had contact Debt Doctor a well know firm who works on to solve debt related issues but there mode of operation is somewhat non agreeable, they infact asked me to clear whatever CIBEL says irrespective of my stand. HELP !!