Cibil score

38°
Deal Subedar
24karat

Hi…can someone plz confirm…whether a person from bank can enquire our cibil… Without our written consent?
Someone called me for home loan and i just enquired abt rates n eligibility… I got a sms that cibil score has changed… I have applieded at other bank with doc n application form.. So not sure if sms was for dat application

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Deal Subedar Deal Subedar
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There are two types of CIBIL enquiry, hard and soft. Soft enquiry doesn’t affect the score, only hard enquiry may or may not affect.
Hard enquiry needs official initiation/approval from your side.
I think soft enquiry any one can do.

Deal Subedar Deal Subedar
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Their is no authorization required for hard enquiry
The moment you asked for the rates, the other person must have confirmed few details with you (PAN, Mobile DOB etc ) and must have done a hard enquiry to give you the rates based on your CIBIL score. ..in past had same issue where in HDFC did hard enquiry when I just wanted to check the offer

Deal Subedar Deal Subedar
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Sudarshan61 wrote:

Their is no authorization required for hard enquiry
The moment you asked for the rates, the other person must have confirmed few details with you (PAN, Mobile DOB etc ) and must have done a hard enquiry to give you the rates based on your CIBIL score. ..in past had same issue where in HDFC did hard enquiry when I just wanted to check the offer

No he didnt ask any details.. As he was from d bank where my accnt is…. Was wondering y i immediately got sms from cibil after his call… Damn i will never do dis again

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