Ask an Expert
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Date : Aug 29, 2008 Question Hi, In year 2007 have done the credit card settlement with two banks HDFC and Std. Chd. bank. the the have reported this issue in CiBil and my ceadit history get effected badly. now i am not geting any loan from any bank. can you sugest how to remove/improve my credit nistroy in CiBil. where as i am having other bank credit card and payinhg all the due on time but how it will take to come out from this bad history process?? Please guide what to do now i want to buy a home for me but i am not getting any home loan from any bank....:( Answer You cannot remove your name from defaulter list. Know if you want to
enhance your chances to get a loan in future then, take a secured
credit card which is offered against your term deposits, which is
provided by many banks .Build a good credit record with it. This will
not remove your name from CIBIL defaulter list but it will improve your
credibility in your credit report. To know click on effects of settlement. |
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