Credit Information Bureau India [CIBIL] — cibil score updation method / policy

Address:	201009
Website:	WWW.CIBIL.COM

Respected sir / madam / ms.

Very unpleasantly, wanted to bring into your notice that i gajendra pratap singh, have taken couple of loans from different financial institution (Details attached) to meet my requirements.

Due to certain financial crunches in the past, few of the ecss / payments got bounced; however, i cleared / paid them with respective penalty charges.

For last 4 months, there is no default; as per best of my information; still the cibil score has not improved.

I tried enquiring the same through cibil team by writing to them (Email enclosed) and calling them; i didn’t get satisfactory response.

As a genuine common consumer, my enquiries are very basic and are pretty rightful.

However, cibil; who decides the fate of any consumer by maintaining the credit score of the consumers; cibil, who are the “custodians” of the defaults and the payment records; are not able to educate me on the basic logic of the scores getting improved or getting down.

Please see the email trail, where i have written to cibil and the kind of response cibil has given. Absolutely, no sense / meaning to what i have asked...!

My simple queries are:-

1. How much point i loose per default?
2. How much point i score per timely payment?
3. How much time it should take to re-correct my credit score?

I am very hopeful that you will be able to answer my above queries and also let me know the process of filling rti to cibil for this; since, cibil is being governed by rbi only.


Yours sincerely,

Gajendra pratap singh
+91-[protected]