Ask an Expert

Although our portal is chock-full of articles and other write-ups that simplify loans for you, there are bound to be occasions when such content is just not enough. You have a specific, personal issue that can only be solved by specific, personal answers.
The Ask An Expert section your own personal finance agony aunt page. You can ask any query related to personal finance here and get a reply - a personalized reply that will meet your specific needs.
I have read Terms and Conditions
|
||||||||||||||||
|
||||||||||||||||
|
Date : Jun 7, 2008 Question How will my CIBIL score calculated ? I had 4 very great accounts out of 6 and for 2 I paid the complete outstanding balance after 3 years. These two have 0 balance now. Till date I had 1. Auto loan (Paid off in full) 2. Personal loan (Paid off in full) 3. Education loan (Paid off in full) 4. Two credit cards - Running fine (issued in 2003 and 2004 resepectively) 5. One credit card HSBC issued 1999 used upto 2001. Settled in 2004 Oct , Paid all outstanding in 2008 Feb, Now it is 0 balance 6. One credit card SCB issued 1996 used upto 2001. Settled in 2002 Oct , Paid all outstanding in 2008 Feb, Now it is 0 balance Kind Regards Gaurav Chakraborty Answer
|
||
| 13662 | is there any such provision where I can request my bank to give me sme time to arrange the finance to repay my | ||
| 11120 | I recently made a partial pre-payment towards my IDBI home loan a/c. I wrote to their usual query email ID t | ||
| 11113 | I have taken a home loan from SBI of Rs. 700000/- on fixed rate i.e. 7.75% but bank has started to charge inte | ||
| 10963 | hi,once the full payments are made to the credit card or personal loan issuing bank,without any settlement, | ||
| 10863 | I took Home loan from IDBI Home finance in October 2007. They offered me variable interest rate at 11%.But ri | ||
| 10664 | My mother is senior citizen and owes a house by her name. We contacted SBI (lakhimpur Kheri) branch for revers | ||
| 10641 | I have a 43 Lacs Home Loan with HSBC. When I was sold the loan I was told that I could make 25% of pre-payment | ||
| 10609 | i am in debt of around 200000/- for credit card and my name is in defaulter list of cibil and i am in financia | ||
| 10589 | i was setteled 4 credit cards ,due to some reason , my name is in cibil,then tell me ,if bank offers me for s | ||
| 10587 | i had applied for edu loan in allahabad bank and the konnagar branch behaved worselyand ultimately they turned | ||
| 10510 | Availed HOME loan from HDFC LTD. CHENNAI. Got initial disbursement of 8.29 lakhs cheque given to builder at th | ||
| 10505 | Hi Harsh, I lost my credit card and I realised this 10 hours later. But by that time there was misuse of | ||
| 10072 | I signed as guarantor for my friend for auto loan and he defaulted in the last EMI. recently i applied for Per | ||
| 10015 | How will my CIBIL score calculated ? I had 4 very great accounts out of 6 and for 2 I paid the complete outst | ||
| 9635 | I had taken a credit card with SCB in 2002-03, which I closed out through paying a settlement amount in 2004. | ||
| 9618 | hi i am faiz wahab ,presently working in qatar i wish to avail a loan of 2 lakh inr ,so as to pay off my pr | ||
| 9594 | Hello Sir, I took a consumer loan from ASF India (citi finance) in 2005-2006. The Loan Amount was 18K. I was | ||
| 9585 | hi, harsh ji, few days back i applied for a two wheeler loan and i was rejected as my name is in CIBIL for | ||
| 9438 | I wish to bring out a company before you which is looting the consumers and the general public. And yet, no on | ||
| 9277 | my name paresh Liladharbhai soni. my d.o.b.20-09-1971 why my name in cibil list ? | ||
| 9273 | I just like to know that precloser charges which charge by all banks are legal. Some one told me that RBI | ||
| 8908 | I got pre-approved loan offer on my ICICI a/c & I accepted that offer. I am paying my installements on tim | ||
| 8812 | My excess debited Mly EMI for Personal loan was not refunded to me till date since octopber 2006 | ||
| 8787 | My credit card appalications are getting declined where as I am not a defaulter but still my name reflects in | ||
| 8597 | How to get a credit report of mine from CIBIL?My personal loan application was rejected saying that i am a def | ||
| 8380 | shweta verma, DOB 01march79. I had applied for HSBC, Barclays and Deutsche credit cards. HSBC card was approve | ||
| 8275 | i took homeloan of rs. 600000/-from icici in 2001 at fixed rate. i changed to floating when rates were decrea | ||
| 7982 | i have received a letter from the bank stating that i have an emi overdue on my personal loan....they also men | ||
| 7938 | we purchased a flat in a building 7 years old. There are total 6 flats in the building. Flats are completely | ||
| 7928 | Sir., I have taken a home loan in HDFC in the year 2003 under floating interest, In 2006 I paid some conversi | ||