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Date : May 14, 2009

Question

Hi Harsh, I had a personal loan from ICICI and it's completed by Nov '08. In between the payment period cheques returned due to insufficient funds. But I haven't recieved any reports regarding that. when I applied for another loan my name is there in defaulters list (CIBIL Report). If I will pay the dues how long it will take to remove my name from CIBIL report? And will it affect my CIBIL score?

Answer

Even after you make the payment your name will be in CIBIL as CIBIL is a credit bureau and not a bureau that maintains only defaulters list. After you make the payment you can tell the bank to update your credit report and then you can approach any bank for a loan. You can then tell the new bank that you have made all the payment and that there is no dues outstanding.

 

 

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