I was checking my cibil score today as a regular practice and, to my shock, i see my score coming down from 749 to 660. I had a new card payment from this shaha credit card with an out standing of 20 lakhs. I am not even eligible for such a enormous credit limit. And the aaccount said opened in january 2001. It is 23 years now. Where is this coming from? I did not even have a clue. I checked the entire report on cibil and realised that i had a standard cahrtered credit card which was issued in january 2001 and closed by the bank in september 2009. This was last updated in january 2015.
I want understand how this is been reported to cibil. I had and have a very good track record in my payments, be it any loan or card.
I am a heart patient and these type of shocks will make my health even worse.
I sincerely request to delete this from my credit report. Is there anyway i can report this to the consumer court?
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