Dear All,
I had applied for my CIBIL report and got the same.I had used few credit cards some years back and got everything closed(after collection of settlement letter from the banks) due to some poor financial decisions.
Now when I try to apply for a credit card,I am not able to get it.I got a personal loan after the settlements were made with the banks.
Iam confused now.Can anyone tell me a way out of this CIBIL.Whom to approach,How long it will take,etc etc.
Someone please help me out....

Regards,
Vishal