अगर कोई finance कम्पनी आउटस्टैंडिंग ना होने के बावजूद भी cibil में balance दिखाये, वो भी clear होने के कई वर्षों बाद तक, तो क्या उस company को कोई fine लगाने का प्रावधान है। या उस व्यक्ति को कोई benefit पीड़ित के तौर पर मिलेगा। क्योंकि company बहुत बड़ी होती है और एक व्यक्ति Loan लेकर अपना मेहनत करके Loan को ब्याज सहित उतरता है। लेकिन देखा गया है कि कुछ कंपनियां cibil में balance दिखा कर cibil खराब कर रही है। उनको जुर्माना लगा कर पीड़ित को कम से कम1 करोड़ का मुआवजा मिलना चाहिए।
Bhai in every video ask to watch it till the end... buddy you dont have to mention that.... your videos so much informative that I doubt someone will leave in between..Even I am planning to watch all videos on your list but your pace of making videos is faster than I can watch... :)
The reporting date of Banks/NBFCs should be expedited from month-end to 3 days of a financial transaction, such as, payment of EMI, closure of a loan account, issue of NOC, etc. The assessment of credit history of an applicant should be 3 years and less because, even though the financial standing of an applicant improves, the backdated data used by CIBIL will be an unnecessary drag on the applicant. The CIBIL assessments and grading with scores should change faster and should not be valid for more than 3 months, because although the score and comments are assumptions of CIBIL, the Bank/NBFC should make its own assessment and take a wise business decision while considering an application for a loan. The Banks lose business on excessive dependence on CIBIL score, which is outdated in most of the cases. CIBIL scores are misused by Banks by not sanctioning loans to the needy people and under-financing business, trade and industry, thereby pushing loan applicants to worsening financial scores. Your lecture in this video puts the onus on the loanee to enquire his financial status and rectify his CIBIL score; you are totally silent on the extremely slow reporting system in a computerised environment. Times are fast changing, but you are promoting the back-dated systems in CIBIL. The Indian economy is changing rapidly. CIBIL is a drag on the economy. The Banks should be more dynamic and speed-up financing and display better Balance Sheets. The people should have speedier access to loans from Banks at lower and viable rates of interest.
Thank you for the excellent video. I always paid my credit card bills on time but in the past I had missed paying the annual n joining fees unknowingly that it impacts my credit score. Except that I always have paid my credit card bills on time n in full. Can you please suggest how to rectify that. Do I NEED TI GET AN NOC FRON BANK ?
Sir, make a video about how to file a CIBIL dispute. I'm stuck with a lot of things I don't understand while raising a dispute. Thanks. One of my card's limit is shown as Zero, so raising a dispute.
Sudam Ghosh - very informative. But please remember in case of Compromise or Settlement of any loan, the banks do not deal in a positive manner to build future financial relationships.
hello sir, please suggest as to whether we should buy laptops etc on emi's / zero %emi from various banks such as bajaj finanserv.does it affect our credit history in any way.
Buraa mat maanana,yahan bank waale middle class aur garib ka cibil check karte hain poonjipatiyon ko bank ki taraf SE SAU KHOON MAAF, tabhi to mallya aur neerav modi ARBO RUPAY lekar FARAAR HAI AB KAHAN GAYA CIBIL
बिल्कुल सच्ची बात। इन लोगो ने उन पूंजीपतियों को लोन देने में कोई संकोच नही जिनका cibil750 से कम है या इससे भी बहुत कम है। लेकिन एक middle class को Loan देने के लिए उसकी balance sheet में हज़ारों नुक्स निकाल देते है। इस बात का भी सर्वेक्षण होना चाहिए कि जिनका cibil score कम है उन्हें Loan क्यों दिया जाता है। जबकि अच्छे cibil वाले को मना कर देते हैं।
बहुत महत्वपूर्ण जानकारी सर् मेरा सिबिल स्कोर 745 है ये ठीक है या कम है प्ल्ज़ बताये एक होम लोन चल रहा लेकिन मैंने कभी भी EMI मिस नही किया है टाइम टू टाइम पे किया है 🙏
Even though cibil score is above 750 sometimes, cibil report shows od, then after referring to previous loan track only financer approve will the loan.
very informative video sir, is video ki mujhe bhut jarurat thi mera CIBIL score 690 aa gya tha mai pareshan tha reason credit card ki payment ka tha jiski wajah se aisa hua because job chali gai thi
Dear sir/mam-Get personal loan starting at just10.99%.Transfer your exiting loan at min interest.i accept low&bad score up to 650,plz call me, Only for Delhi ncr, Dheeraj-8858356681
Hello sir Firstly heartly thanks for providing this imp... type of information I have a question. Hope you will answer it.. Does more numbers of Bank account reflects on cibil score negativity & Same q. For the minimum A/c bank balance account also(1000-4000₹)? Shubham pandey😊
Hello Sir. It was an impressive vdo on improving cibil score. My question is it mandate to close a savings or salary acc made by mistake where negative balance shows up ? Does it affect the cibil score ? Please reply on it ..
Sir.. Agr kisi person ka Bank k sath koi Dispute ho jata hai. Aur person Bank ki EMI ya Outstanding dena band kar deta hai.. jiske ki vajah se us person Civil Score kharab ho jata hai.. magr Court se Faisla Person k Favor m aata hai.. mean Galti Bank ki Nikalti hai jiske vajah se uska civil Kharab ho jata hai.. toh aise Situation me Civil Score kaise thik hota hai..? Please make a video on this topic
Sir, I am registering for Cibil but it saying fill last name but my Name is Pratibha .. First Name Pratibha & if filling Pratibha in Last Name its not accpeting
Thank you sir very much Sir agar maine credit card ka emi kiya hai aur uska bhi 4/5 din pay karne ke liye lete hota hai to kya cibil score kam hota hai. Pls explained.
Thanking you so much, I've 3 credit card which gvn to my frnd in his mishappning in life. As well as commonly he will not pay it on time from last year, what should I HV to do in this situation. Pl guide me sir.
If some money is borrowed from a company and as per their demand the amount is paid off . Later it is found that the company has shown some amount as written off and the company is now no existence . How a borrower can improve his civil score?
Dear sir, I need some suggestions from you. I taken a product loan from zestmoney and I paid all emi but my payment status is not good for my bank account problem. I paid my last emi 2 month ago. And cleared my all emi but zestmoney not close my account. And also zestmoney updated my cibil report as a default account. Many times I send mails and also called zestmoney customer care but not solved.
Freez hone k wajah se CIBIL effect nhi hota, but EMI k bounce honese agar AC freez hota hai to CIBIL effect hoga, aur recover bhi jyada kuch nhi hota. Best option EMI clear kro our koi bhi bank ka FD against Credit card lele aur wo bhi 30% hi limit use kro our waqt pe payment kro within a 6-7 months CIBIL 800+ jayega
Mera CIBIL bhi 590 tha, but maine secure loan liya 50k ka glod loan and Credit card against FD. Waqt pe repayment kiya aur 7-8 months me mera CIBIL 812 tak aaya hai.
Sir mera cibil score 632 Maine car loan liya tha aur time peh payment nahi huwa mera cibil 632 peh agaya aur maine full settlement karke pura loan clear kardiya 6 months back. still mera cibil uthna he hai mere paas credit card nahi koansa be my kaise apna cibil improve kar saktha houn plz plz bataiye....
sir maine axis bank ka credit card ka settlement kiya he unone letter bhi dya lekin abhi tan cibil me wo close nahi hua he to kitan time lagega close hone ko
Are Bhai to Aap itna pareshan kyo ho rahe ho Jo amount sho Kar Raha hai us ko dispute Kar de Bhai 2.3 me hat jayega Bhai me bhi ye sab karta hu ok Bhai kucha problem hoto muje email karna ok Bhai mein sab help karunga pareshan mat hona ok brw
Bhaiya Vijay maalyaa ka cibil shayad 9000 ke uper tha tabhi to saare banks ne maalya ko bina kisi collateral, civil ke janta ke crore Rupay apna baap ka maal samjh kar de diya
Is there a possibility of paying off my credit cards in full post settling the credit cards? See I have settled my Citi Bank Credit Card for 45k instead of paying total credit limit of 62k. And in my CIBIL report the Citi Bank credit card is showing as settled/written off. Now, I want to pay the rest of the amount (62k - 45k = 17 k plus any interest charges if any) Can I pay off that amount? Asset Yogi, Please give me guidance for this and where should I contact for my closed or settled credit card?
Great info. Sir you can u tell if it affects your credit score when you use your credit card limit more than 30-40%. Or using your credit card more improves your credit score.
Most of the TH-camrs of your ilk say that we should use only a limited amount of credit available in credit cards but you have not considered the point that those who use major chunk of the credit card limit do payoff their dues in full and on time. You have not even mentioned this aspect in the video. I think regular bulk usage of the maximum credit limit and timely & full payment thereof do have a positive impact on CIBIL score of an Individual. What's your take on this?
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नमस्ते सर
आप बहोत detail से समजाते है अभी ओर मुझे यकीन हुवा की finaly मुझे मेरा fainscial गुरु मिल गया
धन्यवाद जी
Dhanywaad :)
यह सबकुछ स्कूल और कॉलेज मे भी सीखाया जाना चाहीये. ❤
Maine apka vedio dekha aur apna cibil score sahi kr liya. Aur aj mujhe credit card mil gya. Thnxxxxx you sir
Great to hear that :)
@@AssetYogi kitna time laga cibil improve hone ke baad
I first time check my cibil score..all steps is correct ,Thanks Sir
अगर कोई finance कम्पनी आउटस्टैंडिंग ना होने के बावजूद भी cibil में balance दिखाये, वो भी clear होने के कई वर्षों बाद तक, तो क्या उस company को कोई fine लगाने का प्रावधान है। या उस व्यक्ति को कोई benefit पीड़ित के तौर पर मिलेगा। क्योंकि company बहुत बड़ी होती है और एक व्यक्ति Loan लेकर अपना मेहनत करके Loan को ब्याज सहित उतरता है। लेकिन देखा गया है कि कुछ कंपनियां cibil में balance दिखा कर cibil खराब कर रही है।
उनको जुर्माना लगा कर पीड़ित को कम से कम1 करोड़ का मुआवजा मिलना चाहिए।
Bhai in every video ask to watch it till the end... buddy you dont have to mention that.... your videos so much informative that I doubt someone will leave in between..Even I am planning to watch all videos on your list but your pace of making videos is faster than I can watch... :)
Thanks for your kind words Trivender. But many people watch the video for the first time :)
The reporting date of Banks/NBFCs should be expedited from month-end to 3 days of a financial transaction, such as, payment of EMI, closure of a loan account, issue of NOC, etc.
The assessment of credit history of an applicant should be 3 years and less because, even though the financial standing of an applicant improves, the backdated data used by CIBIL will be an unnecessary drag on the applicant. The CIBIL assessments and grading with scores should change faster and should not be valid for more than 3 months, because although the score and comments are assumptions of CIBIL, the Bank/NBFC should make its own assessment and take a wise business decision while considering an application for a loan. The Banks lose business on excessive dependence on CIBIL score, which is outdated in most of the cases. CIBIL scores are misused by Banks by not sanctioning loans to the needy people and under-financing business, trade and industry, thereby pushing loan applicants to worsening financial scores.
Your lecture in this video puts the onus on the loanee to enquire his financial status and rectify his CIBIL score; you are totally silent on the extremely slow reporting system in a computerised environment.
Times are fast changing, but you are promoting the back-dated systems in CIBIL.
The Indian economy is changing rapidly. CIBIL is a drag on the economy. The Banks should be more dynamic and speed-up financing and display better Balance Sheets. The people should have speedier access to loans from Banks at lower and viable rates of interest.
CIBIL 836, My credit limit 44k I fully used it 44k but now CIBIL score is 786 it is true your video
Use max. 30% of limit amount and pay timely , your cibil score will increase.
@@sudhanshumech10 Ok
Sir mera civil score 680 hai mughe civil bdane ke liye kya krna chahiye
Secured loan lo... Low amount ka... Timely repayment kro
Very helpful, the part on Credit Card against FD to improve Credit Score is informative. Thanks!
Bhai hdfc wale nahi de rahe hai fd pe credit card maine 1 lack ka fd kiya par in kamino ne email karke kaha ki tumhara cibil sahi nahi hai
CIBIL improve krne me secure loan our credit card against FD ka bhot bada haath hota hai
Thank you for the excellent video. I always paid my credit card bills on time but in the past I had missed paying the annual n joining fees unknowingly that it impacts my credit score. Except that I always have paid my credit card bills on time n in full. Can you please suggest how to rectify that.
Do I NEED TI GET AN NOC FRON BANK ?
@Laurie Vickye I need help for one settled account for CIBIL score?
Sir, make a video about how to file a CIBIL dispute. I'm stuck with a lot of things I don't understand while raising a dispute. Thanks. One of my card's limit is shown as Zero, so raising a dispute.
Sudam Ghosh - very informative. But please remember in case of Compromise or Settlement of any loan, the banks do not deal in a positive manner to build future financial relationships.
Glad you found it informative 😊
Ajay Kumar
Can we get a loan after settlement of a loan coz after such activities civil score declines
@@shivankigupta3562 1tly u have to changed settled written in cibil into closed
I'm right information sir
Very well explained 💯💯 best video on TH-cam
Thanku So Much.........,Dear Sir I M Very Impressed .... Bhaut Hi Asan Lafjo me Samjhaya hai Aapne ...
Thanks Shafeeq.
Beautifully described Sir. Very informative. 👌🤞☺
Thanks a ton
hello sir, please suggest as to whether we should buy laptops etc on emi's / zero %emi from various banks such as bajaj finanserv.does it affect our credit history in any way.
Yes it will improve CIBIL Score if you pay EMI on time for this Loans
Buraa mat maanana,yahan bank waale middle class aur garib ka cibil check karte hain poonjipatiyon ko bank ki taraf SE SAU KHOON MAAF, tabhi to mallya aur neerav modi ARBO RUPAY lekar FARAAR HAI AB KAHAN GAYA CIBIL
Bilkul sahi bole bhai
matka abhi Right sir
Kab tak Dega is prashn ka Uttar
Right
बिल्कुल सच्ची बात। इन लोगो ने उन पूंजीपतियों को लोन देने में कोई संकोच नही जिनका cibil750 से कम है या इससे भी बहुत कम है। लेकिन एक middle class को Loan देने के लिए उसकी balance sheet में हज़ारों नुक्स निकाल देते है। इस बात का भी सर्वेक्षण होना चाहिए कि जिनका cibil score कम है उन्हें Loan क्यों दिया जाता है। जबकि अच्छे cibil वाले को मना कर देते हैं।
Full postmardom of civil score problem....tysm sir🙏
बहुत महत्वपूर्ण जानकारी सर् मेरा सिबिल स्कोर 745 है ये ठीक है या कम है प्ल्ज़ बताये एक होम लोन चल रहा लेकिन मैंने कभी भी EMI मिस नही किया है टाइम टू टाइम पे किया है 🙏
Even though cibil score is above 750 sometimes, cibil report shows od, then after referring to previous loan track only financer approve will the loan.
Bahut ache se samjaya apne cibil score k liye. Thanks lot sir
bad hindi language 😂
अति महत्वपूर्ण जानकारी दी है अपने बहुत बहुत धन्यवाद जी
Thanks. I have checked free my cibil score
आपले विचार बहुत अच्छे और ज्ञान से भरे होते है
Dhanyawad 😊
very informative video sir, is video ki mujhe bhut jarurat thi mera CIBIL score 690 aa gya tha mai pareshan tha reason credit card ki payment ka tha jiski wajah se aisa hua because job chali gai thi
Dear sir/mam-Get personal loan starting at just10.99%.Transfer your exiting loan at min interest.i accept low&bad score up to 650,plz call me,
Only for Delhi ncr, Dheeraj-8858356681
my cibil score 756
@@personalloan7394 aap loan denge
Yes
Aap apna contact no dijiye
Really nice video... 1 query
If lender doesn't revert to cibil regarding disputes..
Then what is the next course of action...
Even if your scores are fair banks are ready to provide you loans at a bit high ROI... Don't give shitty info.... Haar jagah setting hoti hai...
@@pratyushusgaonkar8765 CmvxbvvzVNZvzmzmvzzmzzZvVB
You are a star, The infrormation you provided is really helpful for everyone.
Keep learning 😊
@@AssetYogi Sir, I became just few 2 months ago.
And haven't took any loan, what should I do, to achieve highest possible CIBIL.
Question -How long it will take to get updated on CIBIL of making the payment..
बहुत अच्छा लगा आपका वीडियो धन्यवाद
Thanks Narendra.
Awosome video good information full knowledge👍
Thanks a lot
Hello sir
Firstly heartly thanks for providing this imp... type of information
I have a question. Hope you will answer it..
Does more numbers of Bank account reflects on cibil score negativity
& Same q. For the minimum A/c bank balance account also(1000-4000₹)?
Shubham pandey😊
Does more numbers of Bank account reflects on cibil score negativity: NO
For the minimum A/c bank balance account also(1000-4000₹)?: Depends on bank
Don't worry it's not reflected.
Great information..well explained sir 👍💯
Keep watching
@@AssetYogi sir credit score check karne se cibil down hoga kya? Maine cibil purchase kiya hai 6 months ke liye
Very very very much Informative sir
Excellent Knowledge you have Sir
Keeep on Sharing Good n New Things.....
Hello Sir. It was an impressive vdo on improving cibil score. My question is it mandate to close a savings or salary acc made by mistake where negative balance shows up ? Does it affect the cibil score ? Please reply on it ..
It's better to close it and no it doesn't affect your cibil
How bank will know my current salary? If I am using a credit card from a very longtime and not submitted my current salary slips?
Very knowledgeable thanks sir helpful
Thanks Raj :)
Smarty looking Speaking and presentation.
Thanks sir, Just checked its 785 Now.
Sir.. Agr kisi person ka Bank k sath koi Dispute ho jata hai. Aur person Bank ki EMI ya Outstanding dena band kar deta hai.. jiske ki vajah se us person Civil Score kharab ho jata hai.. magr Court se Faisla Person k Favor m aata hai.. mean Galti Bank ki Nikalti hai jiske vajah se uska civil Kharab ho jata hai.. toh aise Situation me Civil Score kaise thik hota hai..? Please make a video on this topic
Very useful information Assetyogi, Very important topic for every working person
Shuja Ranjan
Shuja Ranjan hy
Very informative, sir. Thanks much.
Very welcome
All questions answered in one video. Thank you 🙏
Thanks Nitin
Very informative video Sir
Request to make video on How to resolve CIBIL grievances on CIBIL Website. Thanks
Sir, I am registering for Cibil but it saying fill last name but my Name is Pratibha .. First Name Pratibha & if filling Pratibha in Last Name its not accpeting
VERY VERY GOOD RAJA GOD BLESS YOU AND YOUR FAMILY MEMBERS
Bring a video on impact of settled accounts on credit score
Great knowledge provide by you..
Feeling so happy....
Thanks sir jiiii
I hope this will be useful
Mutual fund kis company ka chune? Agar jaldi returns chahiye like 3 saal may to kis tarah planning kare
Video bahut hi knowledgeable tha.thank you sir.
Most welcome
Very nice information, appreciate for nicely update.
Always welcome
The way you explain is on next level ❤️
Thanks Shadab
Thank you so much sir,it will be very helpful to us.please send link for reporting inaccuracies to CIBIL-consumer dispute resolution
Thank you sir very much
Sir agar maine credit card ka emi kiya hai aur uska bhi 4/5 din pay karne ke liye lete hota hai to kya cibil score kam hota hai.
Pls explained.
Kya rate off hat sakta hai civil se
😮supar informetion❤
Very informative and clear
Keep learning 😊
2x speed is good for time saving 😁
1.25x
1.5
bhai thank you time save kra diya
Thanx bro
I'm very grateful keecrack1 on IG for recovery my account successfully.
Sir, you video is very valuable for me.
I want to know, how we can online trading & stock market.
drip irrigation loan settlement can be show in cibil or not can i get loan or not in future
Thanking you so much, I've 3 credit card which gvn to my frnd in his mishappning in life. As well as commonly he will not pay it on time from last year, what should I HV to do in this situation. Pl guide me sir.
If some money is borrowed from a company and as per their demand the amount is paid off . Later it is found that the company has shown some amount as written off and the company is now no existence . How a borrower can improve his civil score?
Thank you sir. for giving so much impart information.
Hope its helpful 🙂
@@AssetYogi 44
@@AssetYogi 444
Dear sir, I need some suggestions from you. I taken a product loan from zestmoney and I paid all emi but my payment status is not good for my bank account problem. I paid my last emi 2 month ago. And cleared my all emi but zestmoney not close my account. And also zestmoney updated my cibil report as a default account. Many times I send mails and also called zestmoney customer care but not solved.
Mail to RBI
During Covid-19 RBI has given maritoriam for six months in such case what will be cibil score impact? Please explain.
Thanks sir ji esi video dene ke liye 🙏🙏
You are welcome Hemlata.
Bank me maximum time account frezz honi ki wajas CIBIL score me effect hota hai...???? Agar hota hai to kya recover ke chances hai..?
Freez hone k wajah se CIBIL effect nhi hota, but EMI k bounce honese agar AC freez hota hai to CIBIL effect hoga, aur recover bhi jyada kuch nhi hota. Best option EMI clear kro our koi bhi bank ka FD against Credit card lele aur wo bhi 30% hi limit use kro our waqt pe payment kro within a 6-7 months CIBIL 800+ jayega
Mera CIBIL bhi 590 tha, but maine secure loan liya 50k ka glod loan and Credit card against FD. Waqt pe repayment kiya aur 7-8 months me mera CIBIL 812 tak aaya hai.
Very honest and to the point informations.... Thank you ☺️
Hope it's helpful 😊
Bahut achche se samjhaye bhai aap shukriya
Keep learning :)
It was very nice to know about credit score
Hope it's helpful :)
Very nice and useful information.. thank you for your hard work...
So nice tips thanks ,use full for me .
Thanks Manoj 🙂
Credit card bnwane ke liye contact kren 9870267366 ,9953929795 .
Good information. Thank you.
Thanks 😊
Nice video good advice sir mera cbill is time 739 h but Maine koi loan nhi liya h to aap bataye ye improve kaise hoga
It will improve automatically subject to conditions.
Nice information. Thank you. Keep it up 👍
Sir mera cibil score 632 Maine car loan liya tha aur time peh payment nahi huwa mera cibil 632 peh agaya aur maine full settlement karke pura loan clear kardiya 6 months back. still mera cibil uthna he hai mere paas credit card nahi koansa be my kaise apna cibil improve kar saktha houn plz plz bataiye....
To get success start meditation satsang laughing dancing singing walking fasting and music are best medicine's of the world.
What about the coustmer taking loan for the very first time? What factor do the bank evaluates?
right question
मैने देखा कोई बैंक उसे खड़ा नाही करती
Very helpful video...thanks for that.
Thanks for improving my score from 600 hundred to 850+
Credit card bnwane ke liye contact kren 9870267366 ,9953929795 .
How ?
@@pawanshahi7706 follow all this istruction and wait for 3 months
@@spmishra8240 mere ko banvana hai. Cibil 816
@@47.divyanshuvarsh.82 help me for cibil
Sir agar loan settlement karate isme bhi sirf penlty to kitna impact padta cibil me
Bad impact hota h, apka score gir jayega
Fir in future small loans and timely repaymrnt krke imrove kr sakte ho score, pr tym lagta h
Bhai settlement kabhi nhi karwa chahiye future bekar hojyega ha agar call bhot ati ha to Karlo
sir maine axis bank ka credit card ka settlement kiya he unone letter bhi dya lekin abhi tan cibil me wo close nahi hua he to kitan time lagega close hone ko
Iska reply de plz
Are Bhai to Aap itna pareshan kyo ho rahe ho Jo amount sho Kar Raha hai us ko dispute Kar de Bhai 2.3 me hat jayega Bhai me bhi ye sab karta hu ok Bhai kucha problem hoto muje email karna ok Bhai mein sab help karunga pareshan mat hona ok brw
@ashif bhai aapka email kya hai
Sir what is RC report in APF of a project and how much time it usually take?
Bank said technical and legal report is clear and waiting for RC report which is from the government office and would take a week.
Credit card dispute repayment agar settle kare to mujhe phir se loan lene mein pareshani to nahi hogi?
Thanks sir samjhane ke liye aapka bahut bahut aabhari rahunga
Thank you.
Cibil score will be improved when removed credit card payment reports
Bhaiya Vijay maalyaa ka cibil shayad 9000 ke uper tha tabhi to saare banks ne maalya ko bina kisi collateral, civil ke janta ke crore Rupay apna baap ka maal samjh kar de diya
Sir . Your best my pleasures I subscribed you...
Thanks for your service
Aap ne bahut achha samjhaya thank you
Proper accurate information...👍🏻
Thanks 🙂
can settlement improve CIBIl,? if any so.. and will it impact postive in CIBIL?
Is there a possibility of paying off my credit cards in full post settling the credit cards? See I have settled my Citi Bank Credit Card for 45k instead of paying total credit limit of 62k. And in my CIBIL report the Citi Bank credit card is showing as settled/written off. Now, I want to pay the rest of the amount (62k - 45k = 17 k plus any interest charges if any) Can I pay off that amount? Asset Yogi, Please give me guidance for this and where should I contact for my closed or settled credit card?
Yes..possible
Sir aap bahut acche teacher ho
Dhanyawad
Great info. Sir you can u tell if it affects your credit score when you use your credit card limit more than 30-40%. Or using your credit card more improves your credit score.
@Laurie Vickye fraud
Hi sir,
In case I have missed to pay emi 2/3 times continue and Inforce/Closed loan so my cibil score get correct automatically in next 40-45 days???
Credit card bnwane ke liye contact kren 9870267366 ,9953929795 .
Sir settle karne ke bad kitane time me score update hota he?
after 3 months
Mera man 1914 ma cibil me tha to baki Ka record asha to kab shudharega ya to koi application karni padegi ?
Sir can my cibil score will increase if I used credit card for shopping and pay my debt on time
Yess
Most of the TH-camrs of your ilk say that we should use only a limited amount of credit available in credit cards but you have not considered the point that those who use major chunk of the credit card limit do payoff their dues in full and on time. You have not even mentioned this aspect in the video. I think regular bulk usage of the maximum credit limit and timely & full payment thereof do have a positive impact on CIBIL score of an Individual. What's your take on this?
Nope. Utilisation should be 30 percent of maximum credit limit
Whether the cibil score of parents can affect on our own cibil score
No
Video achha tha but or ak information dijiyega current account or civil ka koi relation hai kya