Asked by : Mangala Shetty, Project coordinator
Industry : Banking
Functional Area : Personal Finance
Keywords : banking
Activity: Question posted: 12 01 2011 12:11:20 +0000, 12 answers, 8257 views, last activity 07 25 2014 22:17:24 +0000
The Indian Credit bureau has now come up with a process for customers to know there Cibil Score and the status. Customers who have applied in last two years for loans have been faced with issues of there loans getting rejected for Cibil reference check done by banks. Customers never had the information on there current credit score or which banks have reported negative about them in Cibil.
Download form from:
and send to Emailfirstname.lastname@example.org.Mail self attested hardcopies of your lastest Identity Proof and Address Proof documents and Fees of D.D RS 142 to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
CIBIL has become necessary for all kinds of loans in India these days..I think you can visit their site to find your CIBIL score online..I have seen many banks ask for CIBIL approval for even loans like personal loan etc in the recent past which was not the case many years back..
1. We will purchase a detailed CIBIL report (CIR) on your behalf.
2. We will be analyze your Credit History & Credit Score.
3. A detailed plan will be drafted to resolve any discrepancies first i.e., (you might have paid all the dues to the financial institutions and information in CIBIL is wrongly updated. We will fix the errors on your credit report)
4. Then we will check about the defaults / overdue amount to be paid by you to the financial institutions.
5. We will first check with you (since when you have defaulted or not paid the amount to the financial institutions)
6. Then we will check with the bank about the closure amount.
7. After paying the closure amount to the creditors.
8. We will get you the closure letter/ No due certificate letter from the bank.
9. We take the complete responsibility of the documentation for closure.
10. We also ensure the CIBIL update is done by the bank. And whichever information’s are not updated in the report we will get it updated in the report.
11. For the score to improve there must be running loan or credit card so we will get you a pre paid card for the score improvement and monitor for the score
12. After updating all the records in CIBIL, your CIBIL will be cleared & then loans should not get declined.
:-collects and maintains your personal information and records of your payments pertaining to loans and credit cards. This information is then used to create credit information report(CIR)and credit scores which are provided to lenders in order to help evaluate and approve/reject loan applications/credit cards
Major factors affects for credit score
1 Payment history.
2 High utilization of credit limit.
3 Higher percentage of credit cards or personal loans(also known as unsecured loan).
4 Many new accounts opened recently.
Different types of ownership seen in the cibil report
1. Single 2.Joint 3.Authorized User 4.Guarantor
Causes of negative or bad credit history
Irregular payment history, Write-offs and Settlements, High Current Balances, High number of Enquiries.
:-In a word, NO.Many Collection agents use aggressive tactics in an effort to frighten you into paying them directly. Some will claim that they will not work with a settlement company or third party. Others will try to scar
e you into not working with settlement companies because they “will rob you of your money”. These are nothing more than scare
-tactics because they know they will get more money out of you are forced to deal with them directly. If you are contacted, simply tell them that you are i enrolled with Debt Doctor for Debt Negotiation and settlement services, give them the telephone number of our help line(Which you will receive after enrolling),and then simply hang up. You are paying us to handle the dirty work, s
o don’t take more
burden on your shoulders than you have to!
:-We will get the cibil report. Our CIBIL Management service includes analysis of your CIBIL report, steps to resolve any discrepancies, including its rectification. Further we assist individuals to increase their credit score and overall credibility in terms of credit worthiness clearing.
For Further Details Contact : Syed Arif : 9535385135
Thank you for looking an ad Regarding Cibil issues If your looking for the service like updating improving Cibil score and helping your loans, credit cards settle or close in Cibil report we will help you to update and clear from Cibil in priority basis where there would not be any problem in future at the time you apply for any type of loan...WE PROVIDE SERVICE ALL OVER INDIA....))))))))) Syed: 8095355329 email@example.com
If there is any issue with your CIBIL report like clearance or updation or SETTLEMENTS if the CIBIL score is less than 750 we will improve where there would not be any problem in future to apply, any Loans, & Credit cards or if you getting any harassment calls please do call me or leave a MSG Syed 8095355329 ALL over India
Nothing will stopped in any one Absence. 1st its difficult but its start finding the ways..
If its all privitisation then who have funds they only get degree, that case merit wont be consider.
its very uniqe idea, I never thought like that way before, but now i will.