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CIBIL HARD ENQUIRY REMOVAL

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Deal Cadet
Vineet_

FROM JAN 2021 as i observed i applied credit card via online like ICICI, SBI & AXIS they only taking applications by big banner of promotional offer when we are trying to apply it getting declined any how but cibil enquiry getting increasing day by day

is there any way it will remove automatically or is there any time duration till that it will be available in CIBIL Transunion history or it get attatched with PAN in CIBIL as hard enquiry for lifetime !

Is there any way we can understand is this credit card apply offer is preapproved , prequalify, instant approval , only approved ?

before filling application because of greediness & lack of informattion this is always trap from credit card company like fk axis & apay icici cc after filling application till end we don’t know what will be the result . any card will get appprove or not but it will generate definitely hard enquiry in cibil.

Hii Dimers any experience on this we can stop this we will ready with this mindset & we atleast know this application will definately approved or we not fall on trap of credit card apply because i experience this many times only bank always saying due to internal policy we not approving goodluck next time?

https://cdn0.desidime.com/attachments/photos/713555/medium/7949124Cibil-Enquiry.jpg?1632330976

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Finance Ninja Finance Ninja
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@guest_999 please enlighten us if you have any info on this

Benevolent Benevolent
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1. Stop applying for all credit card...out of curiosity or whatever it is. 2. Hard inquiry will never go away ...never.k 3. All this frequent inquiry will impact your score and will make it tough to get loan/CC 4. Score should be back to normal in 6 month...plan to take 1 single CC that time...have a gap of 1 year for new addition of CC.
Critic Critic
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Does the hard inquiry really last forever or does it go away in 7 years (I remember reading this a couple of sites) ?

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Generous Generous
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you consent for hard cibil enquiry. so no option to remove

Benevolent Benevolent
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how do they take consent of a person for hard enquiry? today someone mentioned same thing about pre approved cards also.

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Critic Critic
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Only way to remove a hard inquiry(some here able to did it successfully after following up for months with bank & cibil) is if you can prove that hard inquiry was done without your consent(in one guy case icici did personal loan inquiry along with credit card inquiry even though person submitted only application for credit card so he finally managed to get it removed).

Talk-Of-The-Town Talk-Of-The-Town
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@BlueFlash Look at my cibil enquiry info. Its forever https://cdn0.desidime.com/attachments/photos/713527/medium/7949802uEJxy1B.jpeg?1632321297

Deal Cadet Deal Cadet
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tum to kafi puraane khiladi ho wink

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Pro Tech Guru Pro Tech Guru
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How to know Hit was soft or hard enquiry ?

Super Stud Super Stud
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+1

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Deal Cadet Deal Cadet
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hii i am unable to understand how to upload my screenshot here in comment/reply please anybody help m like u @ssgrocker @BlueFlash

Deal Cadet Deal Cadet
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As per my information if somebody have ur pan no & applying credit card without ur consent it able to make hard enquiry in cibil report there is no sms consent require like icici , sbi this thing i observed with scb , rbl & axis as well.

even hdfc mention this is preapproved card out of three i applied but it was asking salary count .

Still this is confusion how offer is pre approved or after going apply options it will get decline, reject or it will definitely generate one or two hard inquiry how we will make sure this offer will definitely give credit cards

Deal Cadet Deal Cadet
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Even i read cibil hard enquiry will get or non impact after after 2-3 years.

Deal Cadet Deal Cadet
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@Vineet_Singh Can you guide me how to get this enquiry statement, Is it free or paid?

Benevolent Benevolent
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if you have icici account then you can get this from netbanking free of cost.

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Finance Ninja Finance Ninja
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OMG, this many queries.
What was the score drop?

Deal Cadet Deal Cadet
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so u applied for credit cards and loans 20 times in this year?? dont u have any patience? @Vineet_Singh

Benevolent Benevolent
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how to check if enquiry was hard or soft in TransUnion CIBIL report ?
@guest_999 @bohemian

Critic Critic
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Soft inquiry does not appear in cibil report.

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Deal Subedar Deal Subedar
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Can somebody explain
what is this enquiry amount?
sbi 100
icici 100000?

Finance Ninja Finance Ninja
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You should ask wtf is sbi trying to do by sending 100 rs credit enquiry 🤣🤣

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Deal Cadet Deal Cadet
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@akki.akki Yes I have an icici account can you guide me where to navigate in NetBanking to get cibil enquiry statement

Benevolent Benevolent
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login > my view > get free cibil report (top right)

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Deal Cadet Deal Cadet
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As i already mentioned here some of the enquiries are without my consent even i don’t know recently i pulled my cibil transunion report found total 21 enquiries that is really scary for me as well even i raise this thing along with axis ,kotak in twitter they said we can’t do anything ur pan no used for online/offine credit apply so its nonremovable we can’t do anything here ndxp is 1/3 card , fareassets is slice card , fk axis & another is apay icici card , axis has too many enquiry this only related fk , freecharge axis card all of them not approved got declined everytime any how if amazon or fk showing credit card offer for instant approval it doesn’t mean it will get approved but it will make one/two hard enquiry definitely.

Finance Ninja Finance Ninja
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So for SBI , they send an APP code and ask to forward it to some other number to provide consent.. but I never did that and I can still see credit enquiry.. now can this be removed?

Deal Cadet Deal Cadet
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Can I apply for both Amazon pay & Flipkart Axis bank Card at the same time ?
Will there be any hard enquiry ?

Finance Ninja Finance Ninja
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Yes hard enquiry for both

Deal Cadet Deal Cadet
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As per recent conversation with cibil i found something else

I would like to inform that:

As per The Credit Information Companies (Regulation) Act, 2005
mandates all credit information to be reported in your report for a minimum period of 7 years
from the date it was reported by your Credit Institution.CIBIL

Finance Mentor Finance Mentor
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I have my cc entry on report which was first in 2007

Deal Subedar Deal Subedar
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Kotak bank has messed up my CIBIL by 3 times hard enquiry without my consent. I had applied kotak card & the application was rejected. However I didn’t reapply kotak credit after rejection, but I found Kotak keep doing hard enquiry without my consent on every 2~3 months.

Finance Ninja Finance Ninja
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Same here.. 2 times rejected citing “your area is not serviceable” even though my brother who lives with me had one… 4 enquiries without consent post that …

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Deal Cadet Deal Cadet
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write to CC and ask them to remove the entries. They do it but it’s a cumbersome process and you need to stand your ground. Escalate it to the nodal officers and other grievance redressal mechanisms, sometimes they even offer you CIBIL subscriptions and other compensation.

Finance Ninja Finance Ninja
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Kotak also does that?

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