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SBhai, that negative balance in my account marked as outstanding by bank and further it was reported as NPA, I cleared it as it was only 20.83. I just want my CIBIL to go back to normal. That’s it. I got your point and would love to act upon it accordingly. BTW, can you answer simple question, as I have cleared the outstanding which marked by bank as NPA, now will my CIBIL score again goes back to normal?SIf it’s misinformation as per you, i told you can check my CIBIL report which I can share with you if you think a savings account can’t effect CIBIL score you are living in darkSI don’t know your accolades or profession, but for your kind information I would like to inform you that If you have that much problem or doubts over comments made by me, then you can very well avoid answering and if you still want to satisfy your curiosity I can share my CIBIL report and Mails sent by bank which clearly mentioned my account details. One more thing to tell you I would have not given a flying fuck to CIBIL score, if healthy CIBIL score was not necessary to join any Financial institute. Moreover, I might be well versed with these banking terms better than you, because I have already cleared two banking exams and I may sound arrogant while claiming that, but yes it needs hard work to achieve that feat. So stop giving your half cooked knowledge to me over this, if you are able to answer the clearly asked question that will it improve or not? If you know that answer it if not then you can skip it. And mind your language, avoid using ass, dick or pussy sort of words for someone to whom you don’t know.SAs per the latest notification of RBI, wef Jan 2025 all NPA accounts to be reported to CIBIL on fortnightly basis. My account was reported in that due to having Negative balance. The negetive balance resulted because of some ATM charges the bank had imposed. Moreover, the account opened in March 2009, when I was not in my hometown. Initially 5000/- rs were deposited in account and after 3 days 4900/- were withdrawn. Since then account was in negative and I was not aware of. I came to know about it, when Bank reported the same to CIBIL and my score droped around 125 points.SHello sir,
I have faced almost similar situation but of lower magnitude. A savings bank account was opened in a bank in the year 2009. I was not aware of about such account till it was reported in CIBIL in the month of Jan 2025. Now, i somehow closed the account which was of -20.83 only. The same made my CIBIL score to come from 800+ to 678. Now as I have cleared all the obligations, do my CIBIL score will come back to normal? Or how to take my CIBIL back to 800+ ASAP.SBhai, you are a law student. You can ask any of your seniors to help you out in this. Secondly, don’t worry it’s not a serious issue, if they want to charge you, let them say they can’t prove anything.SBTW, an ex service man apart from pension, he might have received a good amount at the time of retirement too. Did your father have spent that too??
Any other job, did he secure any other job too after retiring from the Army?? Or staying at home??SHere you are, the name is clear now to all. Now calmly look out for if these FDs are going to bring something good to you then it’s good otherwise leave it.
Viewing 15 posts - 1 through 15 (of 15 total)