Are you guys crazy or idiots? gahde ke baache? cibil is just the reporting agency of all the transactions which you avail on any loan or credit.
saalo agar time pe payment karoge to wo bhi dikhega - everyone who has availed a loan or a credit card has his name in cibil because the member bank has to report the transaction.
ullu saalo the problem arises when you DEFAULT time pe payment nahi kiya to wo reflect hoga he aur Cibil se naam nahi hat sakta gadhe ke baacho wo to kewal ye dekhati hai that you have availed a credit and what has been your performance.
if you payment history is good YOUR CIBIL report will show it as standard if you missed the payment of your card or loan has been SETTLED then it will show up as settled not closed.
If any of your credit card has been closed with suite filed by the bank then it will reflect as that only.
ARRE madhar chod pahle ek bank se dusre bank ko cheat karte rahte the aur aub aisa nahi hota to gaand phat rahi hai. saalo loan liya hai to time pe payment karo nahi to aur loan nahi milega.
aur cibil mai koi bhi default 7 sal ke pahlne nahi hatega
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