Query - "a new loan account has been seen in your CIBIL report"

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Deal Newbie
IamRage

Few mins back I received this message saying a new loan account has been seen in the CIBIL report, but when I checked my cibil report it doesn’t shows any new accounts and I didn’t apply for any loan as well , I had applied for BOB credit card and today they came for address verification and I guess credit card would be tagged with account type as ‘Credit Card’ and last month I had got Axis Flipkart CC , can this message for that only since it might take 1-2 months for the new cc to appear in CIBIL ?

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Pro Entertainer Pro Entertainer
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@beginner did you apply for ola money postpaid, ICICI postpaid, or any similar service? If yes then it’s that.

Deal Newbie Deal Newbie
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Tejaa wrote:

@beginner did you apply for ola money postpaid, ICICI postpaid, or any similar service? If yes then it’s that.

No I didnt apply for anything in last 6 months apart from Axis CC & BOB CC

Pro Entertainer Pro Entertainer
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IamRage wrote:

No I didnt apply for anything in last 6 months apart from Axis CC & BOB CC

SMS sender name is CIBILP? Your CIBIL report is fresh? If not, refresh now and also check under enquiries as well.

Deal Newbie Deal Newbie
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yes SMS is from CIBILP and also I refreshed my report after getting the message.
I am using the one provided by HDFC in partnership with CIBIL.

Deal Subedar Deal Subedar
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I have realised that CIBIL will send emails this days saying new account has been added and score has change..
Probably trying to fool people into taking subscription services ..

Happened 3 times in last 7-8 months in my case

Shopping Friend Shopping Friend
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guys any idea what quadfin loan is? Its added to my cibil and Ive no idea what it is? is it slice card?

Deal Cadet Deal Cadet
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adrishya wrote:

guys any idea what quadfin loan is? Its added to my cibil and Ive no idea what it is? is it slice card?

it’s slice financial partner
SLICE CARD

Deal Cadet Deal Cadet
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I’m getting this kind of messages and emails from CBIL atleast once in a week but nothing changed in the report, looks like they are forcing us to take their subscription.

Deal Newbie Deal Newbie
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SumanTmpl wrote:

I’m getting this kind of messages and emails from CBIL atleast once in a week but nothing changed in the report, looks like they are forcing us to take their subscription.

@Sudarshan61 @SumanTmpl

I am also getting such mails and messages, but those are normally about a new number is added to your account or a new address is added etc. this is the first time however I am seeing a message and mail saying that a new loan account being added or did you guys even get the same message about loan account ?

Deal Subedar Deal Subedar
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Yes, for past few months, cibil is behaving like a spammer.

Too much nagging for subscription.

Blaze Blaze
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nimod wrote:

Yes, for past few months, cibil is behaving like a spammer.

Too much nagging for subscription.

I already have paid subscription, i also got an email today at noon.
My Cibil score dropped by 12 points.

@beginner @SumanTmpl @kukdookoo

Deal Newbie Deal Newbie
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xxxyyyzzz wrote:

I already have paid subscription, i also got an email today at noon.
My Cibil score dropped by 12 points.

@beginner @SumanTmpl @kukdookoo

you got the same message and is there any loan account visible in your CIBIL?

Blaze Blaze
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IamRage wrote:

you got the same message and is there any loan account visible in your CIBIL?

No, i raised 4 dispute last week to close pay later service as they were still visible under active credits even after closing them months ago.
Yesterday i applied for onecard though, its in reserved state.
Is one card listed as consumer loan in cibil?🤔

Deal Cadet Deal Cadet
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I also got same message today. I see axis flipkart card added as separate account.

Deal Subedar Deal Subedar
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xxxyyyzzz wrote:

No, i raised 4 dispute last week to close pay later service as they were still visible under active credits even after closing them months ago.
Yesterday i applied for onecard though, its in reserved state.
Is one card listed as consumer loan in cibil?🤔

Having same problem icici is not updating two of the credit cards I closed to closed status. No new monthly updates on those cards at all but cibil is showing those cards as active. Who should I contact?

Blaze Blaze
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decideaim wrote:

Having same problem icici is not updating two of the credit cards I closed to closed status. No new monthly updates on those cards at all but cibil is showing those cards as active. Who should I contact?

First check if you have the most recent cibil, if it’s recent, then maybe wait as it takes 2-3 months to reflect. Else if you are in a hurry, You can raise a dispute, ICICI responds to dispute claims quite fast. I raised a dispute regarding my credit limit and they responded in less than a week.
Flipkart axis and amazon icici cards also took 2 months to reflect in the report.

Deal Subedar Deal Subedar
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xxxyyyzzz wrote:

First check if you have the most recent cibil, if it’s recent, then maybe wait as it takes 2-3 months to reflect. Else if you are in a hurry, You can raise a dispute, ICICI responds to dispute claims quite fast. I raised a dispute regarding my credit limit and they responded in less than a week.
Flipkart axis and amazon icici cards also took 2 months to reflect in the report.

I have a cibil subscription, so the score is oven fresh.
And one of the icici card is closed in September 2020

Blaze Blaze
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decideaim wrote:

I have a cibil subscription, so the score is oven fresh.
And one of the icici card is closed in September 2020

Raise a dispute claim bro, its more than a year now. It should be solved very quickly. I wanted to get rid of it as 5 Pay later were showing active in my account. Now 4 are gone.

Deal Cadet Deal Cadet
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Sometime i think whats the imp of cibil , if You pay in time it will stay fine , many banks still wont give You card even if You have good cibil due to some “internal reason”

Get a payzapp app account and have cibil for free from hdfc also paisabajaat bankbajaar paytm lazypay provide it for free , i dont know why people pay to have it

I think its the newbie who worry about cibil mostly

Deal Subedar Deal Subedar
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demerius2020 wrote:

Sometime i think whats the imp of cibil , if You pay in time it will stay fine , many banks still wont give You card even if You have good cibil due to some “internal reason”

Get a payzapp app account and have cibil for free from hdfc also paisabajaat bankbajaar paytm lazypay provide it for free , i dont know why people pay to have it

I think its the newbie who worry about cibil mostly

paisabajaat bankbajaar paytm lazypay
spam calls

Deal Cadet Deal Cadet
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I also got mail and SMS, i recently applied and got uni card. Is this due to that?

Thanks.

Hunk Hunk
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K_G wrote:

I also got mail and SMS, i recently applied and got uni card. Is this due to that?

Thanks.

Yes, definitely due to that

Deal Cadet Deal Cadet
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Fanil wrote:

Yes, definitely due to that

Will it be shown as loan account, or as a credit card. Will it reduce my possibilities for getting a loan in future. Thanks in advance.

Deal Captain Deal Captain
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Sudarshan61 wrote:

I have realised that CIBIL will send emails this days saying new account has been added and score has change..
Probably trying to fool people into taking subscription services ..

Happened 3 times in last 7-8 months in my case

Yes even i think ots same and wants us to fetch paid report

Hunk Hunk
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K_G wrote:

Will it be shown as loan account, or as a credit card. Will it reduce my possibilities for getting a loan in future. Thanks in advance.

Yes it will show as consumer durable loan. It will affect the cibil score, not sure about the affect on loans.

Missing