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Deal Cadet
thats_my_spot

Hey dimers!
reviewed credit report on cred (CRIF), onescore(CIBIL), and hdfc (CIBIL) and need advice:
1. currently have these BNPL services- lazypay, uni, slice, postpe, bajaj emi. None of these(except bajaj ) are updated in cibil as of now, crif has payu finance(lazypay) after they changed bill period to 30 days.
5 months back had no idea what credit card or BNPL is, so applied without thinking much, only slice and bajaj is useful, thinking to close others, should i close them?
2. Hindon was lending partner of postpe, but now they have changed to lenden club(not sure), it shows as “closed” in cred(CRIF), but active in onescore. How to check if a loan/cc is closed or open? When BNPL’s and their status will be reported?
3. CIBIL score in hdfc is 773 and in onescore it’s 780. It was 800+ before i applied for cc & BNPL’s within last 6 months. Why this difference both use cibil.
4. Name is incorrect in cibil, same mobile number & email is repeated 3 times in 3 rows, income is 24,0012,000(i dont know how).
That’s it.

Expiring In about 13 hours
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Deal Cadet Deal Cadet
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It takes upto 3 months to update after they report.

You can close all these and based on your credit score get a credit card (pre approved or with income proof).

You have to enquire with the lender if the account is closed and if you utilized amount for loan do ask for NOC after your loan account is closed.

You can raise dispute with CIBIL for corrections and misinformation.

Deal Cadet Deal Cadet
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don’t use any of your credit cards for few months and watch your score go up 😄

Deal Cadet Deal Cadet
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where does income show up in credit report? never seen that before

Deal Cadet Deal Cadet
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10ven wrote:

It takes upto 3 months to update after they report.

You can close all these and based on your credit score get a credit card (pre approved or with income proof).

You have to enquire with the lender if the account is closed and if you utilized amount for loan do ask for NOC after your loan account is closed.

You can raise dispute with CIBIL for corrections and misinformation.

i have Apay, indusind, onecard & Zomato classic invite all LTF. Apay since 2019, applied for all others in last 6 months🙆‍♂️

Critic Critic
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noobDealer wrote:

where does income show up in credit report? never seen that before

It is shown when some bank reports it though most banks don’t under normal circumstances.

Deal Cadet Deal Cadet
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noobDealer wrote:

don’t use any of your credit cards for few months and watch your score go up 😄

what if I pay full amount before bill generation, score will go up?

Deal Cadet Deal Cadet
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guest_999 wrote:

It is shown when some bank reports it though most banks don’t under normal circumstances.

any way to find which bank reported it?

Critic Critic
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thats_my_spot wrote:

any way to find which bank reported it?

No! It is not of much use anyway because banks don’t just take a look at income reported in cibil but also the kind of loans, cards & limits one has in cibil.

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thats_my_spot wrote:

what if I pay full amount before bill generation, score will go up?

Try anything but cibil score will not go above 800 by “planning”.

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