Harshala CPlease access your own CIBIL report and check what has been reported. You will not be able to remove your name however if there is any inaccuracy in the information being reported we can help you get the inaccuracies recitified. You can log in to CIBIL’s Dispute Resolution webpage: http://rediff.ly/22npj to raise a Dispute.
Harshala CCIBIL’s Dispute Resolution team will analyze and route the dispute to the lending institutions for confirmationPlease remember that CIBIL can only make changes to your report, once the lending institutions submit the updated/ corrected data.
Deval VakilnaI had applied for CIBIL Report but report says N.A. what it means
Harshala CEach bank will have its own credit sanctioning policies, basis which they decide whether a loan can be given. Recency of events pertaining to defaults also matter. So it depends when did the defaults take place. Banks also have their own rules for settled/written off loans. It is advisable to access your own report to find the score & check with the banks of your choice whether they will lend.
Harshala CWhile each bank will have its own credit scoring cut-off based on the credit sanctioning policies, it has been observed that most banks are lending to consumers with a credit score of 750 and above. However do check with your bank if they will give you a loan.
Harshala CEnquiries have a minimal impact on the score. If you have not defaulted ever on any loan or credit card payments it is likely that you may have a good score. Do access your own CIBIL report and score to check it for yourself.
Harshala CPlease check your CIBIL report and Score. The irregular payments on the credit card dues would have had an impact on your score. Do ensure that you make timely payments on all your credit card dues in future. This will help you build a good credit history. Over a period of time your score will improve. Check you score again after a few months before applying for a loan
Harshala CPlease access your own CIBIL report and score. If you have had a good payment tract record, you will have a high score. Each bank has its own credit policies and also look at other factors while deciding to grant a loan.