Flipkart — Credit issue/Flipkart later

Address:

Nakshathrakoodaram, Ponguvila, Pidaram

I had a really bad experience with Flipkart, I have Flipkart pay later and I'm continuously using that facility. Recently when I checked my Cibil score it went very low due to this pay later. Monthly I'm paying my due amount and all my due are closed. But still, there are some outstanding showing on my account.

I have applied for a home loan and they have rejected my application because of my low credit score. It all happened because of IDFC and Flipkart. Now have no solution to reapply for the loan until the score gets better. So I can't buy the home.