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Date : Jul 3, 2008

Question

recently I was unable to get car loan sanction fro SBI because of credit card reports in CIBIL database which showed problems in the year 2003-04.As reported to me by SBI three sundry loans are overdue on my name. I enclosed to CIBIL e-mails from customercare of HSBC.CITI,ICICI & ABN AMRO bank of which I used to hold credit cards.While the former three have denied any credit report sent to CIBIL against my name, ABN AMRO has requested to CIBIL for deletion of my name.CIBIL is asking for nine digit control no & expressing inability to provide me with my credit report. To the best of my knowledge I did not hold any other card.Please advise how can I overcome this & become eligible for loan

Answer

You can ask for your credit report from the bank that rejects your loan application. The report will outline what exactly is reported by the bank in respect to your credit account and enable you to take action. It will necessarily disclose the facts regarding your credit history, like delayed payments in the past, dues settled without write-offs on the part of the bank.

 

 

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