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“Someone else’s mobile number or address is appearing in my CIBIL Report. Does that mean fraud has already happened?” Discovering an unfamiliar mobile number, email address or residential address in your credit report can be alarming.
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“All my loans are closed, so why is the bank still rejecting my loan application?” This question reflects a common misunderstanding about credit reports and loan eligibility. A borrower may have repaid every personal loan, home
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“I have completely repaid my personal loan, so why is my CIBIL Score still decreasing?” This is a common concern among borrowers who have successfully repaid their personal loans. A borrower clears the final EMI, completes
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“My credit-card limit is ₹1 lakh, but my CIBIL Report shows only ₹25,000. Can this affect my credit score?” Yes, an incorrectly reported credit-card limit can potentially affect how your credit profile is assessed. Many borrowers
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“My CIBIL Report shows ₹0 Current Balance. Does that mean my credit card is closed?” Many consumers assume that once their credit-card outstanding balance becomes zero, the account is automatically closed. However, a zero balance and
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“I checked my CIBIL Report, but instead of a numerical score, it shows NH or NA. Does this mean the bank will reject my loan application?” This is a common concern among borrowers who are new
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“I have an NOC, but CIBIL still shows Settled. Is the bank reporting incorrectly?” This is a question I frequently encounter during discussions involving loan closure, settlement documentation and credit-reporting discrepancies. A borrower approaches us with
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“Can you really press one button and freeze CIBIL Report so that no lender can access it?” This question has attracted attention after claims about “Credit Freeze” appeared in media and online discussions. The concept sounds
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“I have never paid an EMI late, so why does my CIBIL Report show 30, 60 or 90 DPD?” This is one of those Credit Report situations where neither assumption is safe. A borrower should not
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“My loan is fully repaid and closed. Why does my CIBIL Report still show Restructured?” This question creates understandable confusion. Imagine that you took a five-year loan. At some point during the loan, its original repayment
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