Venkatesh

Posted at 2013-01-17 03:40:31

I want to take a fresh home loan and hence planning to approach the banks. But I saw the report from CIBIL and the score is 682. But it is noticed that during 2003 an amount of Rs.2880/- has been written-off . Actually I have forgotten from which bank / credit card, the write off is given. Can I get the home loan with this type of CIBIL report ? What will be the solution to the problem ?

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Ravi Sanakr

Posted at 2013-01-14 20:03:40

How effect on my credit score if surrounder my bajaj bake due to lapse of three month?

I borrowed a bajaj bike loan for three years I payed intime for 2 years. later I got some financial troubles I unable to honour my cheques with that it was nearly 30months is over. When I ready to clear all my due recovery person has suggested me to handover the bike saying reason as no worthy and also mention that it will not show any effect on your credit score. But meanwhile I got rejected for three times as still now I am paying personal loan with out fail from past one year. 6 months back I have 471 score just before going handover the bike. Is there any suggestion to improve my credit score? How it was effected on my credit score?

Thanks In advance and awaiting for good suggetion

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SUNIL JOSEPH

Posted at 2013-01-11 06:30:56

I have requested for a personal loan of INR120000/- from ING vyasya bank. I have been paying my minimum amount for my cards everything but only after the due date is over, as my salary comes after the due date. Will it have any effect on my CIBIL status.

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venky V

Posted at 2012-12-11 00:13:38

Hi i find my credit score to be 748, with this whether i would be able to get Personal loan- Kindly advise. (Chennai)

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s.g.tendulkar

Posted at 2012-12-10 01:31:17

I had a credit card in2005 to2007. From ICICI Bank got me leagal notice to pay the dues as per bank preson I pay the Rs. 2670/ on 12/12/2007. Bank person told me he will send me full& final statement by post But till today they did not give me. This is internal bank problem they did not up-date my a/c. and send me copy.that's why they block my PAN CARD. After payment they did not told me in Jan 2008.about dues. But now in Aug.2012 they told me there is dues on my credit card Rs.18,00/ From June to Dec. 2007 6 months dues come 18,000/ they told me in this year. Before 5 years no letter &phone from bank.Noe how ti is possible. In Jun.2007 dues is Rs. 1848/ At that time dues & crdits details are bellow:
Rs. 1848 + 3% x ( 6 months ) = 2206/ dues
Rs 300 late fee x (6 months) = 1800/ dues
Rs 2670 cash + 5550 = 8220 Credit on my card as per bank details on 28/12/2007 which is given me then Rs 4,000/ Cr from my side then how dues come. check bank statements. Is ther bank person not maintain my a/c that's why they why i get punishment.
SWAMMI's offer Rs 18500/ dues paid in2 installment pay 13,500/ how it is possible.
MANISH VAIDYA'S offer Rs. 20,000/ FD at ICICI Bank + New credit card to genral purpuse so your civil record will be rectify.and your pan card will release. If there no my mistek then why should go by these way.
Why 2 officers are giveing 2 diffrence solution.
To solve my problem 1) thane2) andheri3)Banglore 4) Haidrabad 5) Andheri these divisions. I had to give the clerification.

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