Home   >>    Articles   >>    Historical Queries   >>     Bank Grievance   >>    6218-query
44.58 Lakh satisfied customers till Sep 2016
Get Loan Offers
Instant Home Loan Offers Instant Car Loan Offers Instant Personal Loan Offers
     
Instant Loan against Property Offers Instant Education Loan Offers Instant Credit Card Offers
Get Insurance Proposals
Instant Life Insurance Offers Instant Health Insurance Offers Instant Car Insurance Offers

Search Queries related to...

Did not get what you were looking for? Ask an Expert


Ask An Expert

Date : Nov 3, 2007

Question

I used to have a bussiness which went into huge loss i used to have 7 credit cards & ICICI Personal Loan....i had : HDFC, HSBC, SBI, AMEX, ANZ, BOB & ICICI....I did a settlement for HDFC & HSBC.....i got the settlement letter as well..... I did a parital payment for ICICI & AMEX.....I stil rcv statements for SBI & BOB...... I did a settlement for my Personal Loan with ICICI i got the settlement letter as well..... I have my account with HDFC since last 3yrs there are no check returns & i took a personal loan from GE Money iam paying it on a regular basis no returns with them they even gave me a Top up Loan..... I even got a Gold Credit Card from HDFC its been 3 months || Now if i apply for a Loan or any Credit Card they reject it saying that my records are not good || || Please suggest me wht shall i do to get my credit in got standing

Answer

When you go for a settlement it is considered as a defaulter, As a defaulter you will always face some difficulty to get a loan or a credit card. The best thing which you can do is, take a credit card against term deposits which is provided by ICICI Bank and Axis bank. Build a good credit record it. It will help you to improve your credibility in your credit report which is, with credit bureau.This will help you to enhance your chances to get a loan or credit card at decent terms in future.

 

 

25631 i have taken a housng loan from IDBI bank for purchasing an apartment. The apartment is not com
25614 I have received the information from cibil saying that my name comes in bank of baroda defaulte
25468 I have homeloan from ICICI, recently they reduced the interest by 1% and upon my call to custom
25388 Sir , for how hong consumer will be in CIBIL and can apply for any loan or credit card
25387 Dear Sir My name is appearing in CIBIL so if i have to go for home loan transfer will this crea
25206 Thank u for ur reply to q25084. But my main querry is whether SBI can change the fixed rate uni
25084 I had taken a home loan from SBI @ 8% Fixed Rate Option. But now in the Interest Accrued Certif
24743 My approved loan amount is 2172000 for an underconstruction property from HDFC for which I have
24578 My name appeared in the CIBIL list with remarks undisclosed Credit card dues. A copy of the sam
24227 Sir, i have been requesting my Bankers PNB to provide me with a loan amortisation schedule ever
24176 Sir, I am also a victim of CIBIL. I have applied for a home loan from SBI and with great diffic
24152 ING vysya bank offered me competative rate at the time of sanction of loan i.e.comparable to na
24129 Hi , I have a home loan with icici bank, I am planning to move to SBI after two years due to hi
24123 Is there any bank in India that offers home loan to two sister? Iam 23yrs and my sister is 24yr
24116 Respected Sir / Madam, My name is MANAV M SHAH, i am from CHENNAI. I have obtained a p
24086 hello sir, my frend applied for loan,it got rejected as they r saying ur name is in cbil,this h
23916 Sir, I've a Home Loan with ICICI, which I've been paying since more than 2yrs. Recently applied
23884 Dear Sir, I have applied for a home loan with SBI. In my cibil report there were 2 entries . On
23778 Dear Sir, I have purchased the Apartment in resale building, where I have paid the 25% amou
23580 Respected sir, i'm ranjth reddy from hyd,A.P.sir my father took a lorry in 2005 with
23569 Hi I have applied for home loan in IDBI bank, they have said that it is sanctioned and the CIB
23219 Dear sir i am looking for a loan amt Rs.500000 for tenure of 10yrs.so please help me from where
23158 MY NAME MANOJ PANDEY D.O.B.11/07/1975 PAN NO.AOYP1650D Pls.SEND MY CIBIL SCORE
22805 Sir, request you to guide me on how to access my credit report from CIBIL. I called their helpd
22298 Sir, How can i know whether my name is there in CBIL defaults list or not?
22296 sir, my salary is 1 lak/month, and i have taken 1 crore as personal loan from different banks.
22292 Sir, Is pre closing my loan, bad? In CBIL, will it show poor?
22285 sir, i have some personal loans and credit card. There are some defaults in credit card. So my
22212 Dear Sir, i have taken a home loan with Deutsche Bank and the rate of interest now is 12.25 flo
22168 Sir, I have approached Axis bank for Loan but got rejected due to poor banking history in CIBIL