CIBIL dropped (paylater and Wrong Inquiries).

Same thing happened with me freecharge pay later increase and decrease cibil score 765 + - 6

Same 69 over due on loan 

And wrong limit of one card my limit was 3300 but showing 15k and due is 102 and showing 157 😂😂

now use existing card every month and wait for 3 months or 750+ cibil

Mess... wait it out.

Combination of all the factors is the cause. It won't come back to the original number. It would be a rather gradual increase over the period of three to six months. Keep using the cards you have with utilization in mind and control the urge for applying new cards for awhile.

Vip-in wrote:

Same thing happened with me freecharge pay later increase and decrease cibil score 765 + - 6

Same 69 over due on loan 

And wrong limit of one card my limit was 3300 but showing 15k and due is 102 and showing 157 😂😂

After how many months your one card showing in CIBIL?

10ven wrote:

Combination of all the factors is the cause. It won't come back to the original number. It would be a rather gradual increase over the period of three to six months. Keep using the cards you have with utilization in mind and control the urge for applying new cards for awhile.

Not going to apply anything for 6 months atleast, also mailed icici for wrong loan enquiry. Should i wait 30 days and then rbi ombudsman?

Reaper1 wrote:

After how many months your one card showing in CIBIL?

After 30 day 😇

@Reaper1

Even my CIBIL score dropped from 779 to 686 because Ola Money Postpaid reported Rs. 2 defaulted whereas I had paid all bills till date on time. It's been more than 6 months now, still fighting but man, your case is a series of (bad) events, for now, take some time off and build good score until you're credit worthy 😊

sahil1033 wrote:

@Reaper1

Even my CIBIL score dropped from 779 to 686 because Ola Money Postpaid reported Rs. 2 defaulted whereas I had paid all bills till date on time. It's been more than 6 months now, still fighting but man, your case is a series of (bad) events, for now, take some time off and build good score until you're credit worthy 😊

Your overdue still showing after 6 months? Did you complained to RBI ombudsman?

Yeah its been a mess, I'm just waiting for  my next Cibil report if the loan inquiry is still there then will report to RBI so atleast wrong Inquiries be removed.

Reaper1 wrote:

Your overdue still showing after 6 months? Did you complained to RBI ombudsman?

Yeah its been a mess, I'm just waiting for  my next Cibil report if the loan inquiry is still there then will report to RBI so atleast wrong Inquiries be removed.

sahil1033 wrote:
Sadly, I complained to RBI Ombudsman a few weeks back only, let's see when all of this is resolved.

I've missed out on applying for several credit cards in the meantime.

If its possible then do share your RBI experience, I'm also going to raise a complaint there.