Hai,
I am Nagarajan. I had four credit cards and closed them all two years ago and also i had two personal loans,
that too i closed it 6 months back. Lot many times i didn't pay the dues in time because of my poor financial
situation. But i closed all the above with NIL balance and paid the required penalty or with preclosure
charges if any. I got NOCs for all the credit cards as well as for the loan.
Now my question is
1. Will my name present in the CIBIL defaulter list?
2. If not any banker will sanction a loan in my future?
Kindly post your reply and thanks in advance
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