Date: 2010-04-23
Name:
Message:
City: Pune
Employement Status: Self Employed
Date of Birth: 14-01-1959
Earning Members: 2
Dependants: 2
Net Salary: Rs. 400000
Assets
Date:
Name:
E-mail:
Message:
City: Bangalore
Employement Status: Salaried
Date of Birth: 14-06-1982
Earning Members: 2
Dependants: 0
Net Salary: Rs. 35000
Assets
Property: Rented
Date:
Name:
E-mail:
Message:
City: Chennai
Employement Status: Salaried
Date of Birth: 31-05-1985
Earning Members: 2
Dependants: 2
Net Salary: Rs. 135000
Assets
Property: Rented
Date:
Name:
E-mail:
Message:
City: Chennai
Employement Status: Salaried
Date of Birth: 13-03-1986
Earning Members: 1
Dependants: 2
Net Salary: Rs. 21000
Assets
Date:
Name:
E-mail:
Message:
City: Pune
Employement Status: Salaried
Date of Birth: 15-12-1982
Earning Members: 2
Dependants: 3
Net Salary: Rs. 14800
Assets
Property: Rented
Date:
Name:
E-mail:
Message:
City: Hyderabad
Employement Status: Salaried
Date of Birth: 10-12-1978
Earning Members: 1
Dependants: 2
Net Salary: Rs. 30000
Assets
Date:
Name:
E-mail:
Message:
City: Bangalore
Employement Status: Salaried
Date of Birth: 05-05-1976
Earning Members: 1
Dependants: 1
Net Salary: Rs. 70000
Assets
Date:
Name:
E-mail:
Message:
City: Hyderabad
Employement Status: Salaried
Date of Birth: 25-03-1985
Earning Members: 1
Dependants: 2
Net Salary: Rs. 16500
Assets
Date: 2009-08-31 17:12:41
Name:
Message:
City: Chennai
Employement Status: Salaried
Date of Birth: 22-12-1979
Earning Members: 1
Dependants: 1
Net Salary: Rs. 28000
Assets
Property: Owned
Vehicle: Owned
Other Assets: Owned
Query: Hi Amitoj,
I'm a salaried person with a pvt. ltd. company with a gross monthly pay around Rs.35,000.
I would like to know if there's any way to get my CREDIT SCORE / CREDIT REPORT from CIBIL. I have 4 credit cards and I pay all my monthly dues BEFORE the payment due date IN FULL.
ate: 2009-07-10 18:26:30
Name: sachin
Message:
City: Mumbai
Employement Status: Salaried
Earning Members: 2
Dependants: 2
Net Salary: Rs. 30000
Assets
Property: Owned
Vehicle: Owned
Other Assets: Owned
Query: Hi i have a simple question if i am not a ble to pay any of my cvredit card due and later if i do the settlement paying around 60% of the total amount then am i still a desfaulter in cibel
pls reply soon
Date: 2009-07-13 12:13:28
Message:
Dear Sachin.
Yes all setllements cases are mostly eported by Banks at Cibil.
Amitoj Sethi
www.deal4loans.com
Date: 2009-07-01 09:53:53
Name: Karishma
Message:
City: Mumbai
Employement Status: Salaried
Date of Birth: 29-07-1981
Earning Members: 1
Dependants: -1
Net Salary: Rs. 37000
Assets
Property: Rented
Vehicle: Do not own
Other Assets: Do not own
Loan Details
Loan Type: Personal Loan
Loan Amount: Rs. 75000
Tenure: 48
Emi: 2100
ROI: 13%
Emi Paid: 27
Loan Type: Property Loan
Loan Amount: Rs.
Tenure:
Emi:
ROI:
Emi Paid:
Card Details
Payment Due Status: M A D
Outstanding on Card: 200000
Query: I have 3 credit cards with a total outstanding of Rs. 200000.
Date: 2009-07-01 10:48:02
Name: ranganathan
Message:
City: Mumbai
Employement Status: Salaried
Date of Birth: 14-05-1967
Phone: 9869264428
Earning Members: 1
Dependants: 3
Net Salary: Rs. 27000
Assets
Property: Financed
Vehicle: Do not own
Other Assets: Pledged
Loan Details
Loan Type: Property Loan
Loan Amount: Rs. 300000
Tenure: 180
Emi: 3900
ROI: 10
Emi Paid: 80
Loan Type: Personal Loan
Loan Amount: Rs. 100000
Tenure: 36
Emi: 3615
ROI: 18
Emi Paid: 20
Loan Type: Other Loans
Loan Amount: Rs. 460000
Tenure: 120
Emi: 6800
ROI: 12
Emi Paid: 18
Date: 2008-11-03 18:25:23
Message:
City: Delhi
Employement Status: Salaried
Date of Birth: 24-04-1976
Earning Members: 1
Dependants: 2
Net Salary: Rs. 24875
Assets
Property: Rented
Vehicle: Do not own
Other Assets: Do not own
Loan Details
Loan Type: Personal Loan
Loan Amount: Rs. 140000
Tenure: 48
Emi: 4564
ROI: 17
Emi Paid: 15
Card Details
Payment Due Status: Full Payment
Outstanding on Card: 99000
Payment Due Status: Full Payment
Outstanding on Card: 51000
Payment Due Status: Full Payment
Outstanding on Card: 24000
Date: 2008-09-23 16:14:20
Message:
City: Delhi
Employement Status: Salaried
Date of Birth: 12-09-1980
Earning Members: 1
Dependants: -1
Net Salary: Rs. 19000
Assets
Property: Rented
Vehicle: Financed
Other Assets: Owned
Loan Details
Loan Type: Property Loan
Loan Amount: Rs. 500000
Tenure: 60
Emi: 14950
ROI:
Emi Paid:
Date: 2008-09-23 12:18:08
Message:
City: Madurai
Employement Status: Salaried
Date of Birth: 12-07-1979
Earning Members: 2
Dependants: 3
Net Salary: Rs. 500000
Assets
Property: Owned
Vehicle: Owned
Other Assets: Owned
Query: would like to know how do i get my details from cibil as my name is featuring on their defaulter list.
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Date: 2008-09-23 20:57:28
Message:
Date: 2008-09-22 23:25:29
Message:
City: Delhi
Employement Status: Salaried
Date of Birth: 19-01-1979
Earning Members: 1
Dependants: 0
Net Salary: Rs. 19000
Assets
Property: Rented
Vehicle: Financed
Other Assets: Owned
Loan Details
Loan Type: Property Loan
Loan Amount: Rs. 500000
Tenure: 60
Emi: 14950
ROI: 22
Emi Paid: 14950
Date: 2008-08-13 08:30:35
Query : I recently needed a personal loan. I have applied to a bank and the representative told me that there is a problem with "sibil". I cant recall any default on my part to any bank. so how does my name appear in that sibil? and how should I know what is the problem and how should I clear my name from that sibil entry? It is not possible form me to rectify unless I know my mistake. Are there any ways to solve my problem? pl. help me.
Date: 2008-07-29 15:05:04
Query : my name is there in cibil hence could not avail loan to clear the debt and keep one single loan. suggest who will lend at a cheaper interest rate.
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Date: 2008-07-29 16:49:59
Message:
You could try and approach any nationalised banks as they normally do not refer to CIBIL & their rates would be cheaper.
Please revert with any clarifications on the above answer.
Regards,
Amitoj Sethi
Date: 2008-06-26 22:57:58
Query : What wrong with me because of CIBIL,
Will I get any loan or credit card from any bank, in future, if not
what are the remedies to make good? How once CIBIL can make his CIBIL good by making some....?????
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Date: 2008-06-27 11:53:26
Message:
You need to regulate your payments & then only can your name be removed from CIBIL. Make your payments on time & regularly.
Please revert with any clarifications on the above answer.
Date: 2008-06-16 18:56:17
Query : 2 years back I had a lot of credit card and I used them and got trouble. somehow I paid the outstanding, but still not sure if I am in a centralized defaulter list.
Please help me
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Date: 2008-06-17 12:45:37
Message:
We do not have information on the CIBIL report.
Please revert with any clarifications on the above answer.
Regards,
Amitoj Sethi
Date: 2008-05-30 16:21:50
Query : Sir,
I used to hold the credit card of HDFC and CITI BANK,due to some issue we went for settlement with each of these banks.
I had a full and final settlement letter from CITI BANK and an agreement letter from HDFC for the final amount settled.
Recently i applied for personal loan with ICICI and subsequently with CITI BANK,I was told that the status in the cibil is shown as WRITE OFF with each of these bank.
Date: 2008-05-30 11:33:48
Query : i have doubt that my name may be in CIBIL, how do i get that information
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Date: 2008-05-30 18:16:41
Message:
we are not authorized to access CIBIL.
Best Regards
Amitoj Sethi
www.deal4loans.com
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Date: 2008-05-31 12:11:47
Message:
Date: 2008-05-28 18:26:55
Query : 4 cheques were bounced from my PL EMI, However i paid back those emis in subsiquent months, in the past i settled 3 credit cards, now whenever i apply for loan it gets rejected due to bad score, what needs to be done cause as per current record nothing is outstanding and last 1 year no cheqes had bounced
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Date: 2008-05-31 19:43:08
Message:
Date: 2008-05-28 05:38:15
Message:
City : Ludhiana
Employment Status : Salaried
Annual Income : 250000
Type of Loan Running : Yes
Loan Running : cl,
EMI Amount : 4019
Tenure : 84
ROI Loan : Yes
EMI Paid : more than 12 months
Credit Card Holder : Yes
Amount Due : 0
Loan Running on Credit Card : No
Residential Status : owned
Vehicle Owned : 4 Wheeler
Query : I want to know how I can check my cibil .
5year i take auto loan, i pay full instalment. but they put bouncing charges app 2000 to cibil. How i can I clear this. so that effect my credit score.
I am having three personal loans and one consumer loan from different banks and also having two credit card of different banks.I have always paid my all dues on time except one emi of each loans was bounced. I think my name is now listed in cibil. How should I clarify this?
I know that my name is in CIBIL and I want to come out from CIBIL how this is possible for me kindly tell me.
You will need to approach the lender who has submitted your name in CIBIL on account of poor performance on the credit extended by them to you. Only once you are able to regularize the credit to the satisfaction of the lender, would your track in CIBIL show a good score.
I have already had a personal loan running from citi financial. My track record is not good; I want to repay the full loan on a prepayment basis, and after that I want to take another loan , is it possible?
In case your track record is not good, chances of you getting another loan are slim, as most lenders check CIBIL for track record of new borrowers.
What mistakes committed by a loan-holder makes him a defaulter?
A loan holder gets termed as a defaulter if he does not make payments as promised. This could be in the form of EMIs on loans or minimum dues on credit cards. If the cheque or the ECS bounce, on account of various reasons like insufficient funds, incorrect details, signature mismatch, stopped by issuer, etc, and the payment is not realized to the bank, the loan holder is termed as a defaulter.
I need a personal loan. My salary is 22500 Per Month. And I’m looking for 2lakhs of amount. Only problem is I have closed my credit card a year back and my name is still in CIBL. Plz help me out.
You can approach lenders who do not access CIBIL for borrower credit validation.