Dear Sir/Madam

When I apply for loan from various banks/ for credit card, I get to know that my credit rating is not up to mark.

I had 3 credit card which I had settled and closed in 5 yrs bk, I want to know why Is that it is still showing in my CIBIL report.

And my housing loan of icici is not reflecting in cibil report and I had closed the auto loan from citi bank which is also not showing in cibil report.

Why is this happening and why is my credit rating so low.

y is that CIBIL only taking what ever banks are giving ? is it because banks are holding stake in CIBIL, if that is the case then CIBIL shud be banned

how can we rectify our credit rating with the banks where we hv fought and settled the cases and bank purposely wont send good credit rating to CIBIL, this gundaraj of banks has to be stopped. just coz of below statement from CIBIL on their website wont save them. working of CIBIL ahs to be streamlined or it has to be banned, i agree it is gud to know credit rating but people like me are the sufferers where banks take undue advantage.

Rgds
Abbas Khan

-- CIBIL website info --

Rectifying Inaccurate Information In Your Credit Report
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Q.23 How do I rectify information in a credit report drawn on me?

Please contact the credit grantor from whom you have availed the loan and request the necessary changes. The credit grantor will then report the change to CIBIL and we will subsequently make the necessary updates in our records.