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CIBIL HARD ENQUIRY REMOVAL

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Vineet_Singh

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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Deal Subedar Deal Subedar
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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.

Talk-Of-The-Town Talk-Of-The-Town
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you consent for hard cibil enquiry. so no option to remove

Deal Subedar Deal Subedar
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bohemian wrote:

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

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

Talk-Of-The-Town Talk-Of-The-Town
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kukdookoo wrote:

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

for pre approved its soft enquiry , but when we apply ourself , they take consent either on form(offline) or tick – terms and conditions (online). If one read thoroughly there is even consent to share cibil data with third party for marketing purpose/offers

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).

Critic Critic
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bohemian wrote:

for pre approved its soft enquiry , but when we apply ourself , they take consent either on form(offline) or tick – terms and conditions (online). If one read thoroughly there is even consent to share cibil data with third party for marketing purpose/offers

ICICI did a hard enquiry for pre-approved card.

Best is to be judicious & restrained while applying for cards.

Deal Subedar Deal Subedar
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Sudarshan61 wrote:

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.

Does the hard inquiry really last forever or does it go away in 7 years (I remember reading this a couple of sites) ?

Talk-Of-The-Town Talk-Of-The-Town
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cadence wrote:

ICICI did a hard enquiry for pre-approved card.

Best is to be judicious & restrained while applying for cards.

ICICI ask for consent by sending AST YES to 9222208888. If it is pre approved they cannot hit for hard enquiry. if it happened, you can complaint to RBI

Deal Cadet Deal Cadet
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BlueFlash wrote:

Does the hard inquiry really last forever or does it go away in 7 years (I remember reading this a couple of sites) ?

.

Deal Subedar Deal Subedar
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BlueFlash wrote:

Does the hard inquiry really last forever or does it go away in 7 years (I remember reading this a couple of sites) ?

Last forever…
I still have inquiry from year 2007(my 1st credit card).

Every lender will have different creteria when giving out loans/cards…some will just see inquiry for last 1 year.

Deal Newbie Deal Newbie
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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 Subedar Deal Subedar
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bohemian wrote:

ICICI ask for consent by sending AST YES to 9222208888. If it is pre approved they cannot hit for hard enquiry. if it happened, you can complaint to RBI

ICICI pinged my cibil for 10k even when my card was pre approved
There was no consent sms
Axis did the same , also recently they pinged twice for my brothers account within 2 days for a pre approved My zone card

Only Hdfc and SBI didnt do hard enquiry for their pre approved cards

Deal Subedar Deal Subedar
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sauravDD wrote:

How to know Hit was soft or hard enquiry ?

Anything which appears on report is Hard inquiry.
Soft inquiry does not show in the report.

Credit Card/Loans/Pay Latter services/ will have hard inquiry.
Fetching reports via CRED/PayTM/HDFC/ICICI/Etc just to see will be soft Inquiry. many Neo Banks also make soft inquiry when opening saving account (they use it to cross verify your addresses/Ph/Emails etc)

As rule of thumb dont open all those pay latter services or use 3rd party websites to apply credit cards

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

Deal Subedar Deal Subedar
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Sunny431 wrote:

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

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

Critic Critic
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akki.akki wrote:

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

Not for all account types & once a month not real time like in cibil paid plans.

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

Talk-Of-The-Town Talk-Of-The-Town
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Superdry wrote:

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

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

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