1. I am Francis from Bhadravathi Karnataka, . Recently I applied for credit card from syndicate Bank Bhadravathi karnataka , however my credti card application was rejected citing the reason that I have no any crdit card but i haved all ready 2 credit card in my pan no ACCOUNT as shown on my CIBIL credit information report. I have been told tha I have no any credit card on my name , which actually I am not holding. Now, as per the CIBIL, these two cards have been issued by some bank but that bank name as not showing that infomation
2. On getting the above information from the CIBIL report, I have intimated the bank about the discrepancy in my CIBIL report which is mentioned above. The bank has getting cibil repot to me credit cards against my PAN card and the discrepancy is from CIBIL side. acttuly my name is Francis my pan no is
AAKPF1608F ,BUT The cibil repot is showing the name is Joseph Alwyn Francis on my pan no, so please help me who is that person and please correct account on my pan no My name is FRANCIS,Father name is JAYASHEELAN, DOB IS 12-01-1978, ADRESS IS FRANCIS , DOOR NO NC 47, NEW COLONY BHADRAVATHI, SHIMOGA, KARNATAKA, 577301, Control number is 44,72,27,408 Read comments Credit Cards
1. I am Francis from Bhadravathi Karnataka, . Recently I applied for credit card from syndicate Bank Bhadravathi karnataka , however my credti card application was rejected citing the reason that I have no any crdit card but i haved all ready 2 credit card in my pan no ACCOUNT as shown on my CIBIL credit information report. I have been told tha I have no any credit card on my name , which actually I am not holding. Now, as per the CIBIL, these two cards have been issued by some bank but that bank name as not showing that infomation
2. On getting the above information from the CIBIL report, I have intimated the bank about the discrepancy in my CIBIL report which is mentioned above. The bank has getting cibil repot to me credit cards against my PAN card and the discrepancy is from CIBIL side. acttuly my name is Francis my pan no is
AAKPF1608F ,BUT The cibil repot is showing the name is Joseph Alwyn Francis on my pan no, so please help me who is that person and please correct account on my pan no My name is FRANCIS,Father name is JAYASHEELAN, DOB IS 12-01-1978, ADRESS IS FRANCIS , DOOR NO NC 47, NEW COLONY BHADRAVATHI, SHIMOGA, KARNATAKA, 577301, Control number is 44,72,27,408 Read comments Credit Cards
WHY THERE IS A NEED TO FALL INTO TEMPTATION OF CREDIT OR LOAN....IF U WANT TO BUY A CAR....BUY IT BUY UR OWN SAVINGS RATHER THAN PAY 16 PERCENT INTEREST.....IF U HAVE ALREADY A HOUSE ,DONOT TAKE LOAN FOR INVESTMENTS IN HOUSE AND LATER ON BECOME DEFAULTER.......OUR HONOUR IS IN OUR HAND.....LITTLE PLANNING AND CONTENTMENT SAVE U FROM DISGRACE.....KEEP LOAN OPTION ONLY FOR EMERGENCY.....EVEN FOR EMERGENCY TRY TO MAKE A CORPUS THROUGH UR SAVING.....NO CERTIFICATION BY CIBIL IS REQUIRED IS U KNOW THAT U HAVE NOT BORROWED ANY PIE FROM ANY ONE......
Re: WHY BORROW AT ALL......
by Amit Phatak on Dec 29, 2009 01:12 PM
wait till the day when employers start checking credit history reports before offering you a job (this happens in all developed countries today) It is always a good idea to maintain a good credit history. Using a credit card for minimal purchases each month and paying dues on time is enough to create a good history!
Even in US where mail service is done with at most care, there are errors bound to happen. I think in India this is going to create a mess. People can easily steal someone's identity and get loan from Banks.
A simple PAN number should be able to fetch the report... why so much formalities from applicant side??? If they create a template based on PAN number the process can be done within 30 Sec same as how various websites fetches data from sites world over and gives/sends a statistics to you... I think only few people are required to run CIBIL... the staff of CIBIL is an excess burden on the system who creates a manual system to waste time of every citizen… USELESS CIBIL PROCESS
Re: Re: A simple PAN number should be able to fetch the report
by K Jana on Dec 29, 2009 07:51 AM
Not everyone who gets loan pays income tax and has PAN number. There is no unique number for any Indians (unless UID becomes mandatory). Hence multiple proofs.
Every Bank is aware that the CIBIL info is not correct always. Banks have found ways to justify their action of not granting loans to people. Loans are not granted otherwise too. Why this joke on prospective borrowers. Are CIBIL Reports clear in the case of those who are being granted loans. No. They are learnt to have provided Indemnities as a safeguard against CIBIL and Banks are happy to grant loans to such VIP parties.
being a financial consultant, i came across many cases where creir card settlement was done by mutual consent. But same is reported as waiver to CIBIL. Banks turn down such proposals. Is it necessary to report waiver as default by the banks?-Vilas
I had applied for a home loan. The response given 2 wrong addresses and 4 wrong accounts. The ICICI bank people are refused to sanction the loan based on wrong information. I had sent mail,e-mail and fax. But there is response at all from CIBIL. RBI and Banks should take steps regarding this false info given by the CIBIL. Because so many customers are unnecessarily troubling the customers.
Re: False information is giving by CIBIL
by K John on Dec 28, 2009 12:37 PM
In certain cases the inputs furnished to CIBIl by various lending institutions/banks are found factually incorrect. For example, I have a dispute with ICICI bank and based on that dispute, my credit worthiness have shown by them in bad limelight. This adversely affects my credit worthiness. Will the CIBIL check the genuineness of the inputs provided by these lending institutions/ banks?
