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Category: Credit Funda

Old Loan Suddenly Appeared in CIBIL Report After Years? Here’s What It Means

“I had an old loan from many years ago. It was not appearing in my CIBIL Report earlier, but now it has suddenly appeared. Can I get it removed because it was missing for so many

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CIBIL Report Is Correct but Experian, Equifax or CRIF High Mark Is Wrong? Here’s What It Means

“My CIBIL Report is correct, but Experian, Equifax or CRIF High Mark is showing different information for the same loan. Does that mean the other Credit Report is wrong?” This is an important credit-reporting issue—and it

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Loan Is Yours but Lender Name Is Different in CIBIL Report? Here’s Why

“The loan is mine, but I never took a loan from the lender shown in my CIBIL Report. Is the report wrong?” This can be confusing. You remember taking a loan from Bank A. The loan

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Loan Closed but CIBIL Shows Outstanding Balance? Here’s Why

“My loan is fully closed. Why is CIBIL still showing an outstanding balance?” The customer had completed the loan repayment but discovered that the CIBIL Report continued to show an outstanding amount. The concern is understandable.

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Unknown Loan in CIBIL Report: What If You Never Took That Loan?

“I never took this loan. Why is it appearing in my CIBIL Report?” This is a concern we frequently hear from customers who contact Apoorvaa’s helpline. A customer checks the CIBIL Report and discovers a personal

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CIBIL Score 756 but Loan Rejected? Check All Four Credit Bureau Reports

“My CIBIL Score is 756 and my CIBIL Report looks fine. Why is the bank still rejecting my loan?” A customer recently contacted us with this question. The customer had checked the CIBIL Report and could

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Loan Closed but CIBIL Shows Settled? Understand the Difference

“My loan is closed. Why is CIBIL still showing Settled?” A YouTube viewer recently raised this question after checking a CIBIL Report. The viewer explained that the bank had accepted payment and closed the loan account.

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Write-Off in CIBIL Report: Does It Mean Your Loan Is Waived?

“My bank has written off my loan. Does that mean I no longer have to repay it?” A customer recently raised this question after noticing “Written-Off” against a loan account in the CIBIL Report. The customer

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Does Loan Rejection Affect Your CIBIL Score? Understanding Hard Enquiries and Repeated Applications

“My loan application was rejected by the bank. Will this loan rejection affect my CIBIL Score?” This is a common concern among borrowers, particularly when they are planning to approach another bank immediately after receiving a

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Wrong Ownership in CIBIL Report: Can a Guarantor, Joint or Individual Loan Status Affect Your Credit Profile?

“The loan is related to me. The lender is correct. The loan amount is correct. Even the account details are correct. But the ownership shown in my CIBIL Report is wrong. Does it matter?” Yes, it

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