Harshala CThe report that you may be looking at would be a report that is accessed by the bank; where the name of the institution is not disclosed. You can access your own credit report alternatively raised a dispute online. Please provide your name, address, date of birth, report Control Number (CN) and the nature of the dispute.
SUMIT MUKHERJEEI have already done as you have suggested but CIBIL simply replied they can't change report and unable to disclose bank /card details.
Harshala CIf your brother has taken a loan and you been a co-signatory to this loan the bank will report this loan as a 'joint loan'. This will be reflectedf both in his and your credit report. You can check with your brother whether he had made a joint application for a loan with your name as a co-applicant. If not, then approach the bank.
Savvi MSThanks a ton for the clarification.... will talk to the Bank
Harshala CCIBIL will follow up with the bank to ensure that the consumer dispute is resolved. The consumer can also simultaneously follow up with the bank for a timely response.
Harshala CCIBIL collects credit information pertaining to borrowers from banks and credit institutions. It then collates this information into credit reports and provides them to banks to help them evaluate risk while lending to a consumer. This credit information (both positive and negative) is maintained for a minimum period of 7 years.
Pradosh-PatiIf someone is a defaulter from 2007, then till which year CIBIL will keep the negative rating info?
Harshala CPlease share your Service Request number (SR Number) and email ID so that we can find out why has the CIBIL TransUnion Score changed.
Harshala CIf you access your own CIBIL Report and Score regularly it will infact help you understand what is conatined in your report and what is your score. It does not have any negative impact on your report or score.
Harshala CYou can access your CIBIL Report and CIBIL TransUnion Score on CIBIL’s website in 3 easy steps:• Step 1: Fill online form- Visit http://rediff.ly/1gsxk and duly fill in the online request form • Step 2: Payment – Make payment of Rs. 470 via Net banking / Debit / Credit / Cash Card• Step 3: Authentication – Answer 2 questions based on your credit history
Harshala CIf you are successfully authenticated you can download your credit report consisting your credit score and also receive it via e-mail. If you fail the authentication then you can upload scanned copy of your identity proof and address proof on CIBIL’s website. The report will then get delivered to you via express delivery