Cibil score
- 413
- 4
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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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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
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.