Credit Information Bureau India [CIBIL] — my cibil score is low

Address:Kanyakumari, Tamil Nadu, 629702

My name is Joseph antony Micheal rajman and my wife name is shaya jasmine rebina we don't have any type of loans except gold loans in any banks and those gold loans are properly maintained by us and we never allow any jewels to go for auction, recently I apply for a personal loan and they informed me that my cibil score was below 700 and we can't give a loan to you then I asked them why my cibil score was low they tell me that u have gold loans and u didn't pay the loans properly but I never had such issues in my history i[censored] want i can give u the clearances from my banks that I don't have any such issues please advise me how can I improve my cibil score
Thank you
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Dear Micheal,
How did you Clear this Gold Loan with Bank?with an outstanding amount or did you get any discount on this loan?
If you paid entire amount and still its impacting on your cibil score and you are not eligible for any Loan from Bank, then kindly write an email so i can tell and help you rectify these all issues and you will become credit healthy for new loan.
Regards
Jawed
jawed.[protected]@gmail.com
Micheal rajman's [Complaint's author] reply, Mar 21, 2018
I still have gold loans in bank but I pay my interest in time and my jewels never went for auction I always clear my loan before one year. Will my gold loans affecting my cibil score
syed jawed's reply, Aug 29, 2018
Effect in positive way for Score inhance.

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