Now have Access to your CIBIL Credit report

CRV2010 · 15th January 2013, 17:54

Quote:

Originally Posted by Rohit Manohar

Hi,

I paid the rs.470 yesterday and they said the email with the CIR and the scores were mailed to me but I still haven't received them. Any idea how long it usually takes or should I have received it already ? I keep checking the inbox and spam/junk folders but nothing has come up from them till now.

Normally it will be sent within 12-48hrs of your application.

Rohit Manohar · 15th January 2013, 17:56

Quote:

Originally Posted by CRV2010

Normally it will be sent within 12-48hrs of your application.

Its been about 24hrs since I got that Authentication Successful Message. Will wait and see, hopefully they send it soon as I want to know what my CIBIL score is pretty bad.

lapsi · 15th January 2013, 19:44

Quote:

Originally Posted by Rohit Manohar

Its been about 24hrs since I got that Authentication Successful Message. Will wait and see, hopefully they send it soon...

I was asked to answer a few questions about my past transactions. As soon as I finished, I checked my email and the report was already there.

Did they ask you "match the following" type of questions?

DCEite · 15th January 2013, 20:47

Guys
Whats considered a OK CIBIL score? I recently evaluated online and my score came out to be 778. I have a running home loan and 2 credit cards in my name.

Rohit Manohar · 15th January 2013, 21:46

Quote:

Originally Posted by lapsi

I was asked to answer a few questions about my past transactions. As soon as I finished, I checked my email and the report was already there.

Did they ask you "match the following" type of questions?

Yeah they asked me match the following type of questions regarding my bike loan and my credit card. Then after I finished them, the results came as Authentication Successful, and that the email has been dispatched with the details. Its been more than 24 hours now and I still haven't received it.

Quote:

Originally Posted by DCEite

Guys
Whats considered a OK CIBIL score? I recently evaluated online and my score came out to be 778. I have a running home loan and 2 credit cards in my name.

Anything above 750 is good as per the banks and CIBIL themselves. Minimum is 300 and maximum is 900. Everyone start off with 900 points initially. Most lendors require the score to be 750 or above.

lapsi · 16th January 2013, 00:40

Quote:

Originally Posted by DCEite

Whats considered a OK CIBIL score? I recently evaluated online and my score came out to be 778. I have a running home loan and 2 credit cards in my name.

This score matters only if you are looking for any type of credit. If your existing financials meet the criteria of the financing institution, your current score should not be a hindrance in getting the line of credit sanctioned to you.

ak916 · 16th January 2013, 01:03

What is hammered into bank executivies heads are that 800+ scores, is "creamy layer" type score. However, score is immaterial like Lapsi said. The underwriters for each loan product in different banks decide on what is a good score for the type of loan you applied for. So in itself, a under 800 score is not sub average or below par.

lapsi · 16th January 2013, 10:14

Quote:

Originally Posted by Rohit Manohar

Yeah they asked me match the following type of questions regarding my bike loan and my credit card.

Then after I finished them, the results came as Authentication Successful, and that the email has been dispatched with the details. Its been more than 24 hours now and I still haven't received it.

I hope you have some type of acknowledgement that you have paid for the report. Make a phone call or write an email to find out the status.

Rohit Manohar · 16th January 2013, 14:58

Quote:

Originally Posted by lapsi

I hope you have some type of acknowledgement that you have paid for the report. Make a phone call or write an email to find out the status.

Ive saved a copy of that Authentication Successful page. Have written an email to them, waiting for their response.

amit · 16th January 2013, 15:50

Does the score get affected if you have dormant active cards in your name?

My report shows a HDFC Credit card which from what I remember was closed when I upgraded to a signature card in 2006. The outstanding balance is showing zero but there is nothing mentioned about the account being closed. Does this mean I have to call HDFC and ask them to close this credit card? Will it improve my credit score?

There is also a old credit card of Standard Chartered Bank which I cancelled. The outstanding amount shown is Rs.5. This account is also not showing as 'Closed'.

ninjatalli · 16th January 2013, 16:53

Quote:

Originally Posted by amit

Does the score get affected if you have dormant active cards in your name?

My report shows a HDFC Credit card which from what I remember was closed when I upgraded to a signature card in 2006. The outstanding balance is showing zero but there is nothing mentioned about the account being closed. Does this mean I have to call HDFC and ask them to close this credit card? Will it improve my credit score?

Not a problem w.r.t CIBIL report. But I would suggest you to ensure that there is no outstanding dues - get a no dues outstanding certificate. I just recently did that when i closed my ICICI credit card. Got a signed (scanned copy) statement mentioning the same.

Quote:

There is also a old credit card of Standard Chartered Bank which I cancelled. The outstanding amount shown is Rs.5. This account is also not showing as 'Closed'.

Can become a possible problem. Get this cleared asap.

Rohit Manohar · 16th January 2013, 23:08

Finally the report came in today. Shows a CIBIL rating of 755 for me.

SmartCat · 17th January 2013, 10:27

I found a Google ad for www.creditsudhaar.com

Apparently, they'll help improve CIBIL credit scores.

sa_kiran · 17th January 2013, 11:01

Quote:

Originally Posted by smartcat

I found a Google ad for www.creditsudhaar.com

Apparently, they'll help improve CIBIL credit scores.

Beware of creditsudhaar.

http://www.team-bhp.com/forum/shifti...ml#post3012047

gopz · 19th January 2013, 20:04

Anyone got a score above 800?

15th January 2013, 20:47	#94
DCEite Senior - BHPian Join Date: Sep 2004 Location: NCR Posts: 3,417 Thanked: 2,546 Times	Re: Now have Access to your CIBIL Credit report Guys Whats considered a OK CIBIL score? I recently evaluated online and my score came out to be 778. I have a running home loan and 2 credit cards in my name.
	() Thanks

16th January 2013, 01:03	#97
ak916 BHPian Join Date: Mar 2007 Location: Bangalore/Hyder Posts: 312 Thanked: 293 Times	Re: Now have Access to your CIBIL Credit report What is hammered into bank executivies heads are that 800+ scores, is "creamy layer" type score. However, score is immaterial like Lapsi said. The underwriters for each loan product in different banks decide on what is a good score for the type of loan you applied for. So in itself, a under 800 score is not sub average or below par.
	() Thanks

16th January 2013, 15:50	#100
amit Senior - BHPian Join Date: Feb 2004 Location: Mumbai Posts: 3,717 Thanked: 449 Times	Re: Now have Access to your CIBIL Credit report Does the score get affected if you have dormant active cards in your name? My report shows a HDFC Credit card which from what I remember was closed when I upgraded to a signature card in 2006. The outstanding balance is showing zero but there is nothing mentioned about the account being closed. Does this mean I have to call HDFC and ask them to close this credit card? Will it improve my credit score? There is also a old credit card of Standard Chartered Bank which I cancelled. The outstanding amount shown is Rs.5. This account is also not showing as 'Closed'. Last edited by amit : 16th January 2013 at 15:52.
	() Thanks

16th January 2013, 23:08	#102
Rohit Manohar BHPian Join Date: Dec 2012 Location: Bangalore Posts: 36 Thanked: 14 Times View My Garage	Re: Now have Access to your CIBIL Credit report Finally the report came in today. Shows a CIBIL rating of 755 for me.
	() Thanks

17th January 2013, 10:27	#103
SmartCat Team-BHP Support Join Date: Jun 2007 Location: Bangalore Posts: 6,425 Thanked: 42,911 Times View My Garage	Re: Now have Access to your CIBIL Credit report I found a Google ad for www.creditsudhaar.com Apparently, they'll help improve CIBIL credit scores.
	() Thanks

19th January 2013, 20:04	#105
gopz BHPian Join Date: Apr 2007 Location: India Posts: 452 Thanked: 6 Times View My Garage	Anyone got a score above 800?
	() Thanks