Asked by : Repath Athyala, Development Programmer in access
Industry : Banking
Functional Area : Credit Card
Keywords : credit card - clearance from cibil
Activity: Question posted: 07 03 2010 15:37:53 +0000, 4 answers, 2276 views, last activity 02 27 2013 06:00:30 +0000
I had a room mate, who came to me in the name of relative and lived with me for 6 months. I helped him in all his necessities, including books..
One fine day, when I went to office, he took away my credit card and locked the room and left. (Fortunately, I had another spare key). then I didnot know that he took away my credit card from ICICI Bank., but after 8 months, when I applied for a loan, the agent told that my name was under CIBIL List of Defaulters. Frankly speaking, till then, I donot know that he stole my credit card.
It is almost 2.5 yrs.
What I want to know is that
How can I settle the account?
If I settle the account of Credit with Bank, will my name be removed from the List?
and any other information regarding the same is appreciated.
My PAN no: ARLPB4755F
DOB : 10/11/1980
This is BIJOY NS i have taken loan from PNB Kerala (loan number - Kesru-22-2007) and settled everything.And i having closure letter during the time some due i was paid at late. So now i am in CIBIL list. Please find the attachment for closure letter.
Now try to apply for personal loan in HDFC bank they rejected for my loan.
Kindly advise me how to improve my CIBIL score and please remove my name from cibil. Hereafter i followed rules and all.
Awaiting your thoughts and let me know what steps i do to clear?
Iam raju from hyd , i have suffered alot with my CIBIL report that i had two written-off ,one with icici n citi bank.
ICICI settled that a/c but after 8months also the bankers still now they didnt updated my status in CIBIL .Citi bank is settled and updation also over .
Then i got the consultant through bank .Icredizen they helped me so much when uproach them they have educated me about CIBIL ,later with in 1month u know the ICICI updation done in my CIBIL report .
Iam very thankfull to Icredizen Team .
If u have issues in CIBIL pls call them #8143708195.(geetha)
As Mr. Mohammad pointed out, you have to settle the account with ICICI first. Best way is to approach them and ask for a one time settlement. They will give some concession in the dues and you can settle the account. Don't forget to take a letter from them that the account is fully and finally settled. Then apply to CIBIL.
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Hi Manikanta raj, I have recently found the CDs that I promised you, it is round 70 mb in size, let me know how can I send it to you. with regards Repath Athyala www.repath.wordpress.com
Hi Manikanta raj. Please give me some time... I will search out and if found, send it to you... more over, recently I shifted my house from the previous location and not yet set things in order. With regards Repath Athyala.
ANALYSE, and never think of it again... in due course, you will forget... hence less impact, ofcourse, it depends on the magnitude of mistake...