ICICI Creditcard
CIBIL Record shows writtenoff

Hello Sir,

This is Balasubramanian, working for Infosys Chennai.

I have applied for a home loan recently. and i'm hearing from bank that my name is the in the CIBIL defaulters list and my status is in written off

Back ground is..

I was using ICICI credit card in 2005. Due to some dispute (though i not opted for auto debit, they started doing auto debit and they charged for it)

so i asked for them to waive the reversal charges and i settled the rest of the amount. They have given me the settlement letter.

Now,

Its really a pain.

Kindly guide me how i can come out this issue, and proceed with home loan.

Thanks is advance.

Awating your guidaince.