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Date : Feb 19, 2009


Recently when my flexicash facility was rejected by ICICI bank, I came to know that SBI card has sent my name as defaulter to CIBIL. I settled the account and the SBI representative has promised me that if you pay the amount, your name will not be sent to CIBIL. I have recorded that Phone call. Now SBI is not clerifying about this. They are answering that your is deactivated and zerovised and the latest status of the card will be sent to CIBIL. But they are not clerifying that whether my name will be removed from defaulter list or not. Kindly guide me what I shall do.


When you go for a settlement it is considered as a defaulter and your name gets listed in CIBIL as a defaulter. Your default stays on the credit bureau's record for 7 years so you will always face an issue in getting a loan even after clearing off your default. The best you can hope for is that the proposed lender will listen to your side of the story and may consider granting the loan if he is convinced about the genuinely of the reasons why the default happened and the fact that you actually cleared all of it.



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