Hi Amit,
Since you have done a settlement with HDFC what you need to do is get CIBIL updated. Getting CIBIL updated will put you in a better position to obtain a new loan. If you would like to get more information I can be contacted on 080-30732226/ 9986541240 or you can email me at timothy@debtdoctorindia.com.
Regards,
Timothy


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