Credit Information Bureau India [CIBIL] Complaints & Reviews

Is CIBIL authorised by RBI? Who checks the default before spoiling credit rating of an individual? Why should CIBIL not try to settle the issue or intimate the borrower and ask for borrower's clarification before spoiling his credit rating publically? How can the Credit Card providers force the consumers to default first and charge any amount on account of defaults thereafter from the consumers.

Credit Card is a business...

I applied for an Education Loan for my Son for BE Engineering at SBI, Near LIC Bldg, Mount Road, Chennai on 17.08.2009. The loan was rejected due to a nagative report from CIBIL. As per CIBIL report I am a defaulter for Credit Card. As per my knowledge I have settled all my Credit Card Account. I am not a defaulter to any bank. Kindly send my Credit Inforformation Report by Email. I am from poor family. I could not remit fee for engineering...

Myself had applied for a car loan recently.

i was shocked to hear from the Banks (state bank of india, tata finance) that i had overdue in the CIBIL.

i have paid and settled all my dues till date and have the settlement letters from the concerned financial Institutions & Bank on their letter head that the full & final settlement has been done and there are no dues pending from my end.

i...

Hi All,

I recently applied for a Standard Chartered credit card and they rejected it saying that, according to CIBIL, I dont meet credit card requirement norms. How can I check whether my name is there in CIBIL or not? I need some help in this

-Shreejith...

I had applied for a car loan of Rs.2, 25, 000 to SBI SPL housing finance branch Gurgaon. The bank has reported that my PAN card survey was showing a business loan guarranty against my name whereas, as far as my knowledge goes there should be no such guarranty against my name. The bank has reported that CIBIL India is showing this figure against my control no.[protected]. Your intervention is immediately needed in regard....

Hello,
My Name is Saurabh Saxena, a Mumbai resident. I had applied to a salary account with HSBC Bank in Sep 2008 which was rejected saying that I have a defaulter record in CIBIL. When I tried to check with CIBIL, they asked me for a Control number. I requested HSBC for the control number but they never gave that to me. I kept on going back and forth between HSBC and CIBIL but in vain.
I applied for an education loan 2 months...

Respected Sir/Madam,


I had applied for a personal loan at Barclays finance about 3-4 weeks ago. The Loan got rejected due to reasons based on the CIBIL report. I spoke with the branch manager (Hritika) and requested for a copy of my CIBIL report. However, accoring to her Barclays Finance has a policy of not issuing any such document to it's customers.

I had gone through the CIBIL site and what...

Dear Sir,

I have applied for a personal loan in Axis bank. They denied the loan due to low credit rating (756 points) in CIBIL report. They also informed me that there is an overdue on a credit card.

On 14-Jul-2009m I requested CIBIL to provide me the details of the report (control no:[protected]. Then CIBIL replied with the following:

AccountNum: [protected]
Reported By: SCB
Account...

From,
Abhishek S. Mate,
2 / 47, sagargeet nagar
B.P.T. colony,
Worli willage,
Mumbai-400030
Date: 31/07/09




To,
Barclay Card
Ms.Meera Rawat,
Head Service Governance-Retail Banking & card (India)
Barclays Bank PLC, Retail Banking Division,
601/603 ceejay house, Shivsagar Eatate,
Dr, Anni Besant Road, Worli,...

Dear Sir/Madam,

Please revert on your contact details and address to dicuss this issue. During Housing loan verification with one of the reputed bank they forward me my cibil report in which there are 6 credit cards shown either closed or written off and want me to give justfication for the same.

As per best of my knowledge I have closed all these cards and written communication from banks are still awaited....

I am really worried on the ratings given by CIBIL for Personal Loan Consumers like me as it is CIBIL which adds difficulty to any person like me who has defaulted even a Single EMI towards Personal Loan (or) Any other loan. The reason being, I am paying Rs. 8, 659 towards 3 Personal Loans every month. For the last 2 to 3 months, I am facing difficulty in paying the same amount due to some personal commitments. I thought of taking a single...

My name is Venkateswara Rao GORTI working as Project Manager in Mobily Infotech. When I am in Accenture I taken this Credit Card No [protected] and I got 400/- rupees as extra charge as Interest including the late payment fee. I called up the customer care they told me that they can not do anything. I sent out mail at that point of time. Remaining amount I paid and I scrapped the card with out paying this 400/- rupees. Then I went...

Hi,

My Member ID is BS00011016, Control Number : 39, 70, 34, 564

I applied for home loan transfer from ICICI to SBI however as per CIBIL report one of the accounts shows around 48, 394 written off on some Credit Card.

I have no information regarding the same and want to know which Bank Cr. Card we are reporting here and what are the details around it so that I could get clarity from the required...

I am a business man and I have applied for a Maruti VAN Cargo Loan to HDFC Bank Ltd. one

week ago but somehow it is not sanctioned due to CIBIL Information as per Banker.
As per Banker I am not paying Rs.2, 00, 000/-, Rs.70, 000/-, Rs.10, 000/- and did a default.
But as a reputed Social Business Man till today I am not involved in any kind of settlement

and there is no due is pending on me by...

My report on CIBIL is incorrect, due to which many of my loan and credit card requests are rejected. This is happening since last 4 years and I am really suprised why this is against my entry. I duly accept my credit transaction in the period of 2002-03 was not appropriate but now i pay all my previousl loans on time. There should be some time period to impact the credit rating of a person. Please take duly action and delete enteries which...

I recently applied for a personal loan from Standard Chartered and the bank rejected my application. The reason given to me was that the CIBIL report indicated that there was an outstanding amount of Rs.139000 approx on a credit card (Sept 2001 - August 2002) which was written off in 2002.

1. The report furnished by CIBIL does not have details of the credit card nor the bank issuing the credit card.

2. I never...

I have applied for car loan from ICICI bank. After submitting all my documents they replied back saying that my loan has been rejected. The reason being I am a defaulter in the CIBIL. I have faced the same problem when almost a month back I applied for personal loan. Now my question is how do I get to know that why my name is there ?
For this case I have spoken to ICICI & asked the reason, they replied as “ Boss you must...

I AM JIGNESH NIMBARK

I HAVE COMPLAINT TO CIBIL THAT THEY HAVE NO FACILITY TO CHECK THE NAME DIRECTLY. ANY OF THEIR MEMBER CAN PUT ANY NAME IN THE DATABASE AND THEY ARE ACCEPT IT WITHOUT INFORM TO THE PERSON THAT IS NOT FAIR. THEY HAVE TO INFORM PARTY THAT HIS NAME ARE GOING TO PUT AS DEFAULTER IN THEIR DATABASE OR PUT WITH GOOD REMARKBLE NOTES.

KINDLY SEND MY COMPLAINT TO CIBIL.

AND DO WHAT EVER...

I had applied for the American Express Kingfisher Credit Card and my ref no. was [protected] 00. My application has been rejected vide their letter dated June 18, 2009 on the grounds of negative credit history based on a Credit Information Report from Credit Information Bureau (India) Limited ('CIBIL').

A copy of the Credit Information Report with control number 39, 70, 32, 659 was attached to letter. As per the report,...

moreover, they told me that my name appears in cibil list, again to my utter surprise as in my whole life i have never defaulted with any bank and never incurred any late payment charges and always my payments are ontime.

i really wonder, is CIBlL just working blindly without checking the actual facts....