https://www.desidime.com/discussions/loan-enquiry-hit-cibil?page=1#post_9158725
Yes they do hit
Loan enquiry hit cibil ???
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I have so many loan enquiry and credit card enquiry this month. This will hit my cibil???
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https://www.desidime.com/discussions/loan-enquiry-hit-cibil?page=1#post_9158774
bobby_123 wrote:Yes they do hit harder
https://www.desidime.com/discussions/loan-enquiry-hit-cibil?page=1#post_9159100
If you had applied for loan / CC on your own without bank calling you up with an offer then yes, score will get affected as it is going to be a "hard enquiry".
When bank calls you up with an offer for loan or CC it is usually done with a soft enquiry where score doesn't gets impacted.
Also, hard enquiry remains on your report for 2 years.
https://www.desidime.com/discussions/loan-enquiry-hit-cibil?page=1#post_9160971
jaadugar_goga wrote:
Also, hard enquiry remains on your report for 2 years
All my entries are continuing on CIBIL report right from 2006..............
https://www.desidime.com/discussions/loan-enquiry-hit-cibil?page=1#post_9161101
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Ramta_Jogi wrote:All my entries are continuing on CIBIL report right from 2006..............
I am talking about enquiries not past or active loans. They will remain there forever and are helpful in determining your credit worthiness. The age of your credit history contributes to 15% of the credit score.
https://www.desidime.com/discussions/loan-enquiry-hit-cibil?page=1#post_9161313
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jaadugar_goga wrote:I am talking about enquiries not past or active loans. They will remain there forever and are helpful in determining your credit worthiness. The age of your credit history contributes to 15% of the credit score.
Yeah.. I am talking about enquiries too. It's on all reports (cibil/equifax/Experian/crif) ever since I started taking cards (2006-7) and loans (2015-16)
https://www.desidime.com/discussions/loan-enquiry-hit-cibil?page=1#post_9161938
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jaadugar_goga wrote:do you know the exact breakup of the remaining 85% ??I am talking about enquiries not past or active loans. They will remain there forever and are helpful in determining your credit worthiness. The age of your credit history contributes to 15% of the credit score.
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