CIBIL Enquiry Without My Consent

I want to live stress-free life, holding 12 cc

That's like saying I want to live stress free life having 2 GFs.

Nothing you can do now because enquiry was made with your consent(aka press key 1). Many fintechs make a personal loan enquiry as they don't give a credit card directly but via some tie-up with other banks/fintech companies so only way they can get your cibil report is via personal loan enquiry.

You cannot remove it paji now.what u can do is cut down on cards. If you are still rotating money and ordering stuff for resale then check which card is not giving more rewards and close it down and avoid pressing any keys for these calls.

guest_999 wrote:

I want to live stress-free life, holding 12 cc

That's like saying I want to live stress free life having 2 GFs.

Nothing you can do now because enquiry was made with your consent(aka press key 1). Many fintechs make a personal loan enquiry as they don't give a credit card directly but via some tie-up with other banks/fintech companies so only way they can get your cibil report is via personal loan enquiry.

Bhai Holding 12 CC not issue for me because I rarely use my CC....I can manage 12 Gf Too but I am married so can't take risk 😃.

But I did mistake, I checked my CIBIL score Paisabazar, Bankbazaar, Wishfin, Bajaj and after that receiving too many spam calls/message.

I am receiving calls from lendingkart, indialends, falnana, dikda.... Ohhh My God 😢

I applied for all Cards via offincal website only.

Please help me...... don't know how they get my pan card number? 

guest_999 wrote:

I want to live stress-free life, holding 12 cc

That's like saying I want to live stress free life having 2 GFs.

Nothing you can do now because enquiry was made with your consent(aka press key 1). Many fintechs make a personal loan enquiry as they don't give a credit card directly but via some tie-up with other banks/fintech companies so only way they can get your cibil report is via personal loan enquiry.

Bhai aisa todi na hota ki Choti Ganga Bolkar Koi Gande Naale Maine Dhaka de de.....🥺

Ye Wishfin ka karnama h....jab se CIBIL check kiya h...tab se moneyview personal loan loan ka spam message/email/call aane lage hai.....aaj finally enquiry kar di.....

kukdookoo wrote:
You cannot remove it paji now.what u can do is cut down on cards. If you are still rotating money and ordering stuff for resale then check which card is not giving more rewards and close it down and avoid pressing any keys for these calls.

Bro these calls from spammers like lendingkart/indialends/Falana/Dikana..... I did mistake that I checked my CIBIL score on 3rd party apps....Maybe any 3rd party app like Bankbazaar/Wishfin/Paisabazar shared my personal data with spammers.

I am worrying what happened if they take Loan using my details? 😶

Bro I am not rotating money or ordering stuff for resale.... I just took all cc for paying electricity bills/recharge or Amazon/Flipkart offers...my all Trasactions genuine....

Spanjaykumar wrote:

Bro these calls from spammers like lendingkart/indialends/Falana/Dikana..... I did mistake that I checked my CIBIL score on 3rd party apps....Maybe any 3rd party app like Bankbazaar/Wishfin/Paisabazar shared my personal data with spammers.

I am worrying what happened if they take Loan using my details? 😶

Bro I am not rotating money or ordering stuff for resale.... I just took all cc for paying electricity bills/recharge or Amazon/Flipkart offers...my all Trasactions genuine....

Mere bhai chorh de chinta.jab karenge tab dekhenge inko. Sorry i mistook u for another dimer but still think about cutting down cards.

Spanjaykumar wrote:

Bhai aisa todi na hota ki Choti Ganga Bolkar Koi Gande Naale Maine Dhaka de de.....🥺

Ye Wishfin ka karnama h....jab se CIBIL check kiya h...tab se moneyview personal loan loan ka spam message/email/call aane lage hai.....aaj finally enquiry kar di.....

Every free cibil check via 3rd party involves data sharing, that is why it is worth it to buy Rs.1200 annual subscription of official cibil report. No genuine company will apply for or approve loan using just your pan number without any consent(written or over phone call). Your mistake was to check cibil score using many 3rd parties & inquiry happened because you pressed "yes" key over the call.

guest_999 wrote:
Every free cibil check via 3rd party involves data sharing, that is why it is worth it to buy Rs.1200 annual subscription of official cibil report. No genuine company will apply for or approve loan using just your pan number without any consent(written or over phone call). Your mistake was to check cibil score using many 3rd parties & inquiry happened because you pressed "yes" key over the call.

Bhai Ab Ye Batao Ki Main ab In Spam Calls/SMS Se Kese Chutkara Pa Sakta Hu.....Kya DND Se Ye possible H....

Spanjaykumar wrote:

Bhai Ab Ye Batao Ki Main ab In Spam Calls/SMS Se Kese Chutkara Pa Sakta Hu.....Kya DND Se Ye possible H....

Unfortunately no, only way is to stop using these 3rd party sites/apps for checking cibil score & hopefully after 3-4 months the no. of such calls should reduce significantly because of lack of updated cibil score info.

Spanjaykumar wrote:

Bhai Ab Ye Batao Ki Main ab In Spam Calls/SMS Se Kese Chutkara Pa Sakta Hu.....Kya DND Se Ye possible H....

Just ask them to delete your account from their database, same happened with me via bankbazaar. Mailed them to delete account, account deleted but was unable to do anything about wrong enquiry. 

Spanjaykumar wrote:

Bhai Ab Ye Batao Ki Main ab In Spam Calls/SMS Se Kese Chutkara Pa Sakta Hu.....Kya DND Se Ye possible H....

Yes with new dnd options 70 to 80% will be blocked, go for it

guest_999 wrote:

I want to live stress-free life, holding 12 cc

That's like saying I want to live stress free life having 2 GFs.

Nothing you can do now because enquiry was made with your consent(aka press key 1). Many fintechs make a personal loan enquiry as they don't give a credit card directly but via some tie-up with other banks/fintech companies so only way they can get your cibil report is via personal loan enquiry.

anyone tried Credit Lock?

caks2006407 wrote:
anyone tried Credit Lock?

This facility is available in US not here as it will most likely require new rules by RBI.

stoptomove wrote:

Yes with new dnd options 70 to 80% will be blocked, go for it

What's the new dnd options?

tappukepapa wrote:

What's the new dnd options?

See here

Dnd
https://picallow.co...d/

stoptomove wrote:
See here

Dnd
https://picallow.co...d/

I have enabled full DND in Jio, still these spammers calling from Normal numbers (Non Telemarketing Number).

tappukepapa wrote:

I have enabled full DND in Jio, still these spammers calling from Normal numbers (Non Telemarketing Number).

Thats why I told you 70-80%

After dnd use call blockers for other numbers

I also facing calls from SBI card through bank bazar, it was applied by bank bazar by exploiting a misunderstanding over call. I was expecting yes bank card but they applied sbi

stoptomove wrote:

Thats why I told you 70-80%

After dnd use call blockers for other numbers

I also facing calls from SBI card through bank bazar, it was applied by bank bazar by exploiting a misunderstanding over call. I was expecting yes bank card but they applied sbi

how did you get the menu in pic? which app?

hese wrote:
how did you get the menu in pic? which app?

Vi

Axis bank sell your info to 3rd parties if you hold axis cc or loan you can expect these calls. Also you need to give otp for cibil enquiry consent or a signed application given to bank no bank or nbfc can't check cibil by a phone call

timelord wrote:

Axis bank sell your info to 3rd parties if you hold axis cc or loan you can expect these calls. Also you need to give otp for cibil enquiry consent or a signed application given to bank no bank or nbfc can't check cibil by a phone call

Bhai my personal data shared by Wishfin (Free CIBIl Score  Website), Same confirmed by Wishfin, I haven't received any OTP. Just received Automated recorded call and I pressed 1 and after 2 minutes I have notification from CIBIL "Your CIBIL report has changed" I never share an Singal OTP with anyone....my friend who take 4 lakh Rupees Gold loan from Bank & have only slice card....but in his CIBIL data showing 7.50 Lakh loan, 12 Lakh loan, 14 Lakh Loan....best part only 25K loan overdue.