my ICICI cc rejected due to low cibil score help!

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Deal Subedar
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I do my other credit card payment on time . once I receive message that my due amount is this , this. I make payment on same date. but still my CIBIL score is 307?? why ? any help why it is low ? my request for credit card is rejected by ICICI Bank for platinum card. plse help .

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307 hushed
I’m very curious on how u ended up with such a low score?
High chances of rejection even for ~700 score too. 750+ safe bet

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getready wrote:

307 hushed
I’m very curious on how u ended up with such a low score?
High chances of rejection even for ~700 score too. 750+ safe bet

That’s how possible it. I when I saw last time score was 800-900 something from Experian.

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getready wrote:

307 hushed
I’m very curious on how u ended up with such a low score?
High chances of rejection even for ~700 score too. 750+ safe bet

I think it is not CIBIL website score. One of lady from ICICI shared this when I said what is my application status. She said I have low score .

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iamshashikant wrote:

I think it is not CIBIL website score. One of lady from ICICI shared this when I said what is my application status. She said I have low score .

CIBIL
CRIF
EXPERIAN
Check each one of them yourself

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Check ur credit score from.bank bazar.com for free.

My cibil score went down once because someone else details was added to my account. Then i complainted and got those load etc removed from my account to get my score back up again.

Check if this is the case with you too

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getready wrote:

CIBIL
CRIF
EXPERIAN
Check each one of them yourself

Any cheap way to get regular cibil reports other than using 3rd party sites? SBI charges 400+gst for a cibil report.

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guest_999 wrote:

Any cheap way to get regular cibil reports other than using 3rd party sites? SBI charges 400+gst for a cibil report.

For CIBIL free monthly report, only option is wishfin & paisabazar.

And for other report, use CRED app.

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Share your latest CIBIL score… So we can find the problem for you.

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If experian is 865, what will be CIBIL???

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guest_999 wrote:

Any cheap way to get regular cibil reports other than using 3rd party sites? SBI charges 400+gst for a cibil report.

No idea
Been using Paisa bazaar for cibil

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getready wrote:

No idea
Been using Paisa bazaar for cibil

Any tips/recommendations to avoid getting spam/fraud calls(like registering with some inactive/not much used number/email id etc)?

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None of the bank consider Experian/CIRF report. They will consider only CIBIL.

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guest_999 wrote:

Any tips/recommendations to avoid getting spam/fraud calls(like registering with some inactive/not much used number/email id etc)?

Hdfc was offering a one time free cibil for its customers. Check if it’s still there

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rohit_agarwal wrote:

Share your latest CIBIL score… So we can find the problem for you.

Checked in et money app , it’s Experian co score . 896 score

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iamshashikant wrote:

Checked in et money app , it’s Experian co score . 896 score

Experian score doesn’t matter.. you need to check CIBIL score, which checked by only Bank.

You can check using paisabazar or wishfin.

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saravananbaskaran wrote:

None of the bank consider Experian/CIRF report. They will consider only CIBIL.

Wrong. Banks consider CRIF/Experian too. Infact for high value loans it is now mandatory to check score with atleast 2 agencies.

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Check on cibil website. They let you have a free report once a year.

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GoogleCA wrote:

Wrong. Banks consider CRIF/Experian too. Infact for high value loans it is now mandatory to check score with atleast 2 agencies.

Right i agree
Confirmed this with bank too

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kurk wrote:

Check on cibil website. They let you have a free report once a year.

Right, i think u haven’t got a free Report this financial year
Its time to get one through official cibil

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@kurk @VellaBoy I know about 1 free cibil report but the question is,since report is updated every month so which report is this free one.I mean is this the last report generated before the request for free report or is it fixed as something like first report generated in an year. Also does the free account we create on cibil shows the current cibil score or the cibil score based on free report which means it will show only 1 score for an entire year.

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guest_999 wrote:

Any cheap way to get regular cibil reports other than using 3rd party sites? SBI charges 400+gst for a cibil report.

You can get free score from CIBIL once in a year. Check yours below:

https://www.cibil.com/freecibi...re

Paisabazaar provides CIBIL score, but it will spam you with phone calls cross-selling credit cards, insurance etc.

HDFC Life is also providing free CIBIL Score, but again they will call you for selling insurance policy. Check below URL:

https://creditmart.hdfclif...m/

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guest_999 wrote:

@kurk @VellaBoy I know about 1 free cibil report but the question is,since report is updated every month so which report is this free one.I mean is this the last report generated before the request for free report or is it fixed as something like first report generated in an year. Also does the free account we create on cibil shows the current cibil score or the cibil score based on free report which means it will show only 1 score for an entire year.

When u access the free Report it will tell the latest report as free with all information in it…
Its free once a financial year…
Like it will be again free for April 2020 till next year march
You can update it then too
And don’t wait just see what is causing your cibil to be down and rectify it immediately
For regular monthly cibil updates download Wishfin App
They don’t spam at all
Found them better than paisabazaar

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rohit_agarwal wrote:

Experian score doesn’t matter.. you need to check CIBIL score, which checked by only Bank.

You can check using paisabazar or wishfin.

I pay on time my current cc bill. So my credit credit should not be less

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iamshashikant wrote:

I pay on time my current cc bill. So my credit credit should not be less

There may be error in your CIBIL….. In my case, recently applied for pre-approved my card and Axis Bank changed my name to ROHIT ROHIT AGARWAL..so this is a human error….. I dispute this

As like me, Your CIBIL may have error of unknown accounts, unpaid bills, balance, closed account, etc….
You must have to check regularly, and dispute if any error found.

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rohit_agarwal wrote:

There may be error in your CIBIL….. In my case, recently applied for pre-approved my card and Axis Bank changed my name to ROHIT ROHIT AGARWAL..so this is a human error….. I dispute this

As like me, Your CIBIL may have error of unknown accounts, unpaid bills, balance, closed account, etc….
You must have to check regularly, and dispute if any error found.

How I can found my error , I don’t know . ! Any way to contact CIBIL ? I don’t know what is issue .

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rohit_agarwal wrote:

There may be error in your CIBIL….. In my case, recently applied for pre-approved my card and Axis Bank changed my name to ROHIT ROHIT AGARWAL..so this is a human error….. I dispute this

As like me, Your CIBIL may have error of unknown accounts, unpaid bills, balance, closed account, etc….
You must have to check regularly, and dispute if any error found.

And where is need to check . website?

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guest_999 wrote:

Any cheap way to get regular cibil reports other than using 3rd party sites? SBI charges 400+gst for a cibil report.

contact me 100+gst =118

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Did CIBIL really rectifies errors in reports if we dispute? I have disputed 2-3 times and received only templated reply all the time saying “Informed to Bank” and later 2 days “Bank not made changes, contact bank”!

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Andhra_Abbayi wrote:

Did CIBIL really rectifies errors in reports if we dispute? I have disputed 2-3 times and received only templated reply all the time saying “Informed to Bank” and later 2 days “Bank not made changes, contact bank”!

Contact their customer care….. They will surely made dispute higher level

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