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Date : Jul 14, 2009

Question

I have received the information from cibil saying that my name comes in bank of baroda defaulters data for 2 lacs for credit card which they claim I have taken somewhere in 2002 / 2003 with the initial credit limit of 40K.As per my understanding I have not dealt with BOB in last 10 or more years but still BOB has filed my name in cibil saying that I have defaulted them. Due to this HDFC has withhold my loan application.I have tried calling BOB customer care to get more information on this but they are helpless as they say that they cannot view the records more than 1 year old. I send the so many mails to BOB on mail on (gm.ops.ho@bankofbaroda.com ) but not received any revert. So many mails have sent by me to get information regarding the card .

Answer

As per the rules and regulations framed under the Credit Information Comoanies Regulataion Act 2005 a person is entitled to get a copy of his own credit report from the credit bureau on payment of the nominal prescribed fee. I would suggest you contact CREDIT INFORMATION BUREAU (INDIA) LIMITED Hoechst House, 6th Floor, 193 Backbay Reclamation, Nariman Point, Mumbai 400 021 India Tel : +91 -22 6638 4600 / 2281 7788 Fax : +91 -22 6638 4666 Email : info@cibil

 

 

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