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| Posted On :- 18/07/2008 | |
| Question Asked :- | |
| I have couple of loan s with Kotak Mahindra and HDFC. Tenure of Kotak mahindra is around 14 months and HDFC is around 6 months. There is no bounce of EMI with Kotak till this month (July). However, there was one bounce with HDFC it was because my cheque was not cleared on time so that there was less cash in my account hence the auto EMI was debited and again credited. However cheques was cleared next day but still my autoemi failed for the second time. I dont know why this happened. The autoemi was placed for the third time and got cleared. Now my concern is how to get back the credit reputation with the bank. One of my friend told me that each and every credit transaction will be updated in CIBILL tool. Please tell me how to regain my value. It will be great if you provide any kind of solution as I am planning to go for Housing loan. Thanks in advance | |
| Answer :- | |
| Yes the fact the your EMI got cleared after three attempts will reflect in your repayment track record, but also the fact that you cleared it immediately will help you. | |
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