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Date : Mar 14, 2009

Question

sir, my name is sunil from mumabi aroune 2yr back i use to have icici cc with a credit limit of 29k and now with late fees and all it is 35k i wnat to take care of this a/c but due to fiancial problem i cant i want settlemnt at low rate so what i wnat to ask is30% is possibal for bank to give settlemnt so that i can nogotate..plz reply

Answer

When you go in for a settlement, banks can and will legally report you as a defaulter - to the extent of the dues foregone by them - at the credit bureau. All details concerning your default stay at the credit bureau for 7 years. In this period, anytime you apply for a home loan, personal loan or a credit card the details of your default will show up during the verification process and it becomes highly unlikely that any lender will lend you credit. For more

 

 

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