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Date : Mar 25, 2009

Question

Hello Sir, I have three loans- One SBI Car Loan, one Personal Loan from Citi Finance and One Personal Loan from HDFC. Now. I want to take another personal loan from any bank for some my personal purpose. However, I did not paid two EMI of SBI Car Loan (One for last Oct 08 and another for Jan 09) due to some my financial problems. So, I have some query, 1. Can you please tell me that My name was defaulted by SBI? 2. Can I get a personal loan from any bank ? 3. How can I closed my credit card due ( About 1.3 Lac pending) 4. How can I improve my scores in CIBIL Report? 5. Is there any procedure to negotiate the due amount of my credit card Therefore, I need your kind advice for my problems.

Answer

It is very unlikely for you to get any loan if your name is in the defaulters list. Yes you can negotiate the credit amount and ask for a settlement of your credit cards from the bank. But even settlement will have a negative impact on your credit score. You can improve your credit score by paying your EMI's on time.

 

 

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