Credit Information Bureau India [CIBIL] — Home Loan closed in 2015 but still reflecting as open in March 2022

Credit Information Bureau India [CIBIL] — Home Loan closed in 2015 but still reflecting as open in March 2022

R rajagopalan venkatraman Mar 14, 2022 Mar 20, 2022 This thread was updated on Mar 20, 2022

I had a home loan with HDFC for Rs 38 Lacs in 2011. This was pre closed by paying the balance payable together with interest in August 2015. The loan account no is[protected] . As per HDFC records it is showing as closed and in fact my property documents were also returned to me after closure of loan amount. But in my cibil report it is still showing as open with due of more than Rs four lacs. Was this information helpful? No (0) Yes (1)
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Comments

sandeeptiw

from Ludhiana, Punjab

Mar 20, 2022

It's not cibil headache to close it, u need to follow up with loan bank to share the closure certificate to cibil.
If you get from them and share to cibil, they will not accept it it should be from financial firm itself.
Surprising factor is neither cibil nor any loan lending firm are interested to share the communication between them and u'll be wondering what's going on, i managed to close 4-5 such accounts which were active since 8-9 years of closure of those and it took me 3-12 months window to close those accounts. But trust me it will hardly impact the revision of your score as cibil is least interested to count those closed account to revise score upward, for downgrading they will definitely not miss to quote those account.
All the best