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Date : Dec 28, 2008

Question

sir iam A.M.RAMAN. i have taken personal loan from icici bank but unfortunately iam adimmeted in hospital for brain tumor operation so some cheques bounced when i back to home i was settled all the amounton 28/7/2007.i got car loan now my name in cibil i dont know how to rectify loan all rejected bcoz of cibil than i went bank they not guiding properly pls give some advice how to rectify this problem.

Answer

You cannot remove your name from defaulter list. Know if you want to enhance your chances to get a loan in future then, take a secured credit card which is offered against your term deposits, which is provided by many banks .Build a good credit record with it. This will not remove your name from CIBIL defaulter list but it will improve your credibility in your credit report.

 

 

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