All of us go through financial crises some time. And during such periods we may have delayed certain loan payments or credit card bills. Well, if this has happened to you, there is a lot of bad news in store.
The Credit Information Bureau of India, CIBIL, in association with Dun & Bradstreet and TransUnion, has announced the development of a credit scoring system. The credit scoring system will use your past credit history and classify you as a risky borrower or a safe borrower. This score will be used by lenders (banks and NBFCs) to decide whether you would be eligible for a loan. If you have a bad credit history, you may not be eligible for any more loan, irrespective of your current financial stability. And well, your dream of buying your dream car or dream home may remain at that - a dream.
So, how does CIBIL’s credit scoring system work?
The generic credit score has a range of 300-900 points. If a borrower has a score of 300 then he/she will be considered as a risky borrower. A borrower having a credit score of 300 will be considered the risky while a borrower with a credit score of 900 will be considered the safest.
Does this credit scoring system apply for all kinds of lending?
The product is a generic one and is valid and applicable across all products and for all lenders. The CIBIL credit score was launched on November 27 and already lenders are using it to check the credit profile of potential borrowers. I know a friend who was not eligible for a car loan from SBI, UTI or ICICI, just because he had defaulted on one EMI payment in the past.
What are the different parameters that are used to obtain the CIBIL credit score?
The generic credit score is developed by taking five parameters into consideration:
- Credit utilisation - Say you have a credit card limit of Rs. 50,000 and you use up most of the limit each month, it indicates that you are a spendthrift. And your credit score would be low. Thus, you must utilise your credit limit optimally if you want a good credit score.
- Frequency of defaults by borrowers - If you often default on your home loan or personal loan EMIs or often miss your credit card due date then this also leads to a bad credit score.
- Frequency of loan enquiries made to a number of financial institutions - Enquire for a loan only when you seriously intend to take it up. If you go to too many banks/loan institutions asking for a loan, it creates an impression that you are not a serious borrower. And it may be indicative of you taking a loan from multiple sources together.
- Attributes of the trade, like, the age of the credit history - If you have been using a credit card for two years and have never been late on your outstanding then it stands you in good stead and vice versa. Also, a more recent deafult on your payment would have a greater adverse impact on your credit score.
- The product mix of your borrowings - You should not hold a portfolio of loans at the same time or should not have borrowed too often if you wish to avoid being termed as a bad borrower.
How does CIBIL get this information?
CIBIL collects commercial and consumer credit-related data and collates such data to create and distribute credit reports to Members. It primarily gets information from its Members (Banks, Housing Finance Companies, Non-Banking Finance Companies and other lenders where you apply for a loan or make enquiries for a number of financial products) only and at a subsequent stage will supplement it with public domain information in order to create a truly comprehensive snapshot of an entity’s financial track record.
Hi! Please feel free to comment on the article here. Also, if you are one of those whose loan application was rejected due to the CIBIL credit score, we would love to hear your experience here.
Hi Nimish
Great Website
There also exists a Satyam base which stores credit card history; especially bad payment records. And once your name is there on the list as a defaulter , you are never going to get a credit card.
Also what is the time period for which the credit history is being used?
Will better rating scores also lead to better interest rates, like in the US?
Avnish, thanks for the positive feedback. It’s quite encouraging when customers validate the output of the work that goes into building a portal.
As for the time period for which the credit history is being used, I am not quite sure. i have a friend whose loan application was rejected because he had defaulted on a payment approx. 6 months ago.
And I personally do not think better rating scores will lead to better interest rates for the time being. It is too early to say. The CIBIL system will need to prove its worthiness for a couple of years before lenders start using it to define interest rates for different loan seekers.
FRIENDS THIS CIBIL AS WELL AS SATHYAM IS A VERY GOOD SYSTEM , I HAVE SEEN BEFORE MOST PEOPLE GO FOR A CREDIT CARD SWINDLE THE MONEY AND MOVE TO NEXT BANK , NOW A DAYS THE BANKS GET THE HISTORY OF A PERSON VERY COOL , THANKS FOR THE TECHNOLOGY , CHEERS GEORGE
Hy,
I have heard this from last 1 year and infact was lucky to see my credit report a year back when i was applying for a personal loan which got approved.
I dont think that 1 payment default wuld make a negative impact.I work for a bank for american customers where credit scores are very improtant.I default pyment 30 days delinquent means 2 continuos payments missed generally effects that too 1 in 2 or 3 years does happen sometimes so it should not effect in such a bad way that a loan is denied.
It will defineatly effect score , but not the total credit worthiness.
Also another point that was not mentioned is that , even the line of credit open in your name also effects the score…
like u have 4 credit cards with 40k limit each and so that means open line of credit on ur name is 160k so even that effects ur credit score….
Hopefully this should improve the indian banking system as well.
Hello,
I had recently applied for a Loan which was rejected saying that I have been listed for a Credit card default of 17K.
Unfortunetly I didnt get any further response.
The problem is I had two cards about 4 years ago, and went ahead for a full and final settelment on both 2 years back.
Infact I took a personal loan 1 year back, but now when i went in for another loan, they informed that my name is listed on CIBIL for Card default. Some thing fishy, will report when i get full details.
Great Site to dicuss the financial issues!!
Please help me regarding:
I have a card with a low limit. I did not default on any of the payments. I hold it since 6 months. From the last month i made some purchases and opted for emi.
I want to
1. apply for a ljmit enhancement. My salary was hiked marginally. Do they approve and increase my credit card limit.
2. apply for a credit card from different bank. Will the other bank approve and issue the credit card depending up on the above situation that i opted for emi’s
Please reply
What is the basis on which this information is searched in CIBIL or SATYAM?? PAN no??NAME??
And does it also impact Home Loan…because its not risky atall .a house can’t be moved or run away with.Papers remains with the bank? Was any one denied home loan for name in Satyam?
@Shan,
You could simply call up the customer service of the bank that issued your credit card and ask for a limit enhancement. If you are eligible, they’d do it immediately.
Also, you can apply for another credit card. It shouldn’t be a problem at all.
@Aman,
Sathyam/CIBIL records are searched by a combination of Name & Date of Birth. And yes, your Satyam/CIBIL record may impact Home Loans as well. While a home/property is an immovable asset, fraudsters have been known to exploit loopholes even in the case of Home Loans. So if you have been classified as a fraund in the Satyam database, you may not be eligible to avail a Home Loan. The lenders ping these databases especially in cases when the property/project in question is not pre-approved by their bank.
I have defaulted on two bank’s credit card in the year2004-5.I paid full outstanding of 65K with one bank in the April07 & done one time sttlement of 10K against 17 K with ABN Amro.But the bank has not updated the CIBIL reports.Alhough I am having bank’s letter regarding no dues.Now I want to apply for Home loan.What are the chances for getting loan?
@Tilu,
Chances of getting a loan are not bad. I know people who have had a bad record and have obtained home loans. As long as you have cleared all your dues and have a clean bank statement, your past record may not even be checked on CIBIL.
Real Story.
Don’t Worry about CIBIL & Sathyam Database to get the Future Loan.
First you should understand that you are the customer and You are person giving Business to Banks, Housing Finance Companies, Non-Banking Finance Companies and other lenders by paying Interest. That is their fault to giving credit card without security and without checking the repayment capacity. All creditcard providers are using the Financial illitracy of Typical Indian mind . They try to made us Slave again same before Independace. They Know that there is a Huge market in India for credit cards.
We are paying the salary, EB Bill, Rent for their offices upto charges for toilet cleaning of all the above bla bla banks from your salary after pay the Income Tax to Government.
You assume if every credit card user pay the bills on-time one month, What will happend. All credit card Banks should be closed by next month due to Nil Income.
So Defaulters should proud to be the only one to pay the expenses of Credit card banks.So they survived because of You.
If they ask nominal penalty charge means, We can pay the late payment charge. They charge same as all devoped countries like USA,UK & Europe and Look at the currency value difference (Rs.40, Rs.80 & Rs.60). So When you not able to pay the Latepaymnet & Overlimit charges , made the full & final settlement to eliminate all those unwanted charges and Keep the all communication record till life Time. No need to beg our Suppliers to update the CIBIL & Sathyam Database.
There is lot of competition between Banks, Housing Finance Companies, Non-Banking Finance Companies and other lenders now a days to distribute their funds in to market and keep their position in Finance market place.
So You can Get any kind of loan from any bank if you have repaying capacity & security when you apply for Loan. If they ask about details about Previous loan Defaut details, Tell them Face to Face. If they want Business they will give Loan if you are having Default at the same bank Credit card.
Our government also engarage those credit card providers to gain Service TAX. from our Pocket.
Don,t think that I am a finacial consultant. I am a victim of all those above. Above all my experience only.
I was having Creditcard of 10 banks (Total Rs.3,00,000limit and Overdue of Rs.80,000 with in 3 months nonpayment.) Personal Loan with 8 banks. Vehicle loan with 4 banks. home Loan with 1 bank.
I was not able made the some of repayment for 4 months due to my company labour strike. Total 20 cheque bounces per month (Due to 1st & 2nd presentaion of same cheque) for 4 Months. Due to unexpected pressure from collection agents I quit the Job and I made full & final settlement with all default Banks.
I got new Job & I applied for PL more than Rs.3lac when I have over due (default) with same bank Credit Card and other 9 banks. They sanctioned the loan of Rs.3.5lac with reduced Service charge from 2% to 1% by considering Existing customer of that bank with defaulted creditcard account. I made full&Final settlement after getting the loan amount with the same bank and other bank Credit cards.
So Don’t worry about the above article in this web site. That is only to create fear with You People. Don’t afraid of CIBIL & Sathyam Database if you made the full & final settlement.
This answer is not applicable real defaulters , Who not paying the loans return.
Hello everyone,
There were times when the MNC bank use to issue credit cards with out application. I have received many such cards and I have not used any of them. how ever all of those are showing in CIBIL. Also there may be some where I had not used them but after one year they start charging us the annual fee and interest there on as we dont use the same. This is also reflected in the CIBIL which affects the score card.
I think in larger interest of the individuals an action on all such banks should be taken.
harshit
Hi,
Can u plz suggest me in the follwowing sitiuation :—?
Suppose a person has a cr card issued by HSBC bank in Bahrain / Dubai and he has done a default there and came back to India without clearing any dues of bank.
Now will it also effect ur credit rating ?
Will this information will also be available on CIBIL & Sathyam Database ???????
kindly do reply to me at :- ravi.k010203@gmail.com
This a a very practicle case of one of my friend.
plz do reply ASAP, its very urgent !!!
Hi,
I have an issue with my credit score, i had an old citubank card which I dit not get statements for a long time and all of a sudden they contacted me for a payment, i agreed to settle the card for 25K, but they have put my name in CIBIL. I have couple of othetr loans and have defauled in makeing some emi’s however i have paid up all the pending emi’s
I feeel that since i am making an effort to pay up my dues and be regular i should be taken off from the CIBIL system
Individuals have cetrain requirements and becauseof this they are unable to avail any further assistances from the banks
Is there a remedy to this?
hi there..
could u give me a link to access the satyam database ?
many thanks.
snibbled dorsispinal holometabolic fimbrilliferous hydromechanics endophragm pantisocratist osteophagia
Franklin General Hospital
http://www.nbyc.com/
hi
could u give me a link to access the satyam database for our name ?
Badal datta
Hi,
I am declined a credit card by citibank, on the grounds that CIBIL rating is poor. This is probably because of a c settlement which I did 2 yrs back.
Please help me to know,
How long this POOR CIBIL rating will harass me
How do I improve the rating
Thanks in advance,
Remo.
Hi , I had applied fro personal loan and was rejectedby HDFC bank , the only problem that i have is that my account balance is always low at the end of the oth but pther than this there is no late payment or any kind of default , So is it that i am not etting my personal loans approved coz i donk have money saved in my bank account , I get a salary of18k and i work at reputed company , so i want to know how can i get a personal loan as i am in great need for that now.
PLease answer my queiries
.
Dear Sir,
I am a defaulter of a credit card and want a details of credit report, how will i get it and how can i remove name fromn the satyam site( pls give me the site detail so i can see my all details.
Dear Sir,
I am a not defaulter of credit card but My name is in SATYAM So I want a details of credit report, how will i get it and how can i remove name fromn the satyam site( pls give me the site detail so i can see my all details
Hi,
My Name is Barkha, I have 3 credit cards, 2 personal loans and I pay the EMIs and CC bills all on time, but due to bad health and change in job I was unable to pay 2 EMIs of ICICI personal loan, which were cheque bounces, as the payment date is 4th of the month and I get salary on 10th, can anyone please tell me whether my name will be listed on CIBIL??
PLS ANYONE REPLY ME
hi
could u give me a link to access the satyam database for our name ?
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Hi Friends,
I lost my job in Feb’2008. And, since then have been finding it very difficult to re-pay my EMI’s even now. I have credit cards and personal loans totalling - finding it beyond my capacity to repay.
I got a job only recently, but, my salary goes towards paying off EMI’s. The salary that i get is quite decent, but, not a single rupee i can spend for my own self, bcoz everything is meant to pay for EMI’s.
I am terribly stressed out thiking when i would be hauled up by these banks.
- Is there a way i can get a single large loan to pay off
these loans and card, where i am paying a huge interest
collectively ?
- Will my chances be hampered just becoz i missed payments
(although payments have been met with delay) ?
Please help.
Regards
Mohan
Bangalore
wired2connect@yahoo.com
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