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Hi,

I am Senthilkumar V, taken 2 loans from LIC HFL for buying the house and renovation. Loan numbers are 29102149, 29101893.

Recently I am applying another loan with Bank of baroda. They have taken CIBIL report. I got the following CIBIL report provided by LIC HFL people.

AccountNum: 29101893

Reported By: LIC HOUSING

Account Type: HOUSINGLOAN

Ownership: JOINT

Date Reported: 31-07

Open Date: 17-10

High Credit: 330, 000

Current Balance: 299, 682

Amount Overdue:0

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AccountNum: 29101893

Reported By: LIC HOUSING

Account Type: HOUSINGLOAN

Ownership: INDIVIDUAL

Date Reported: 31-03

Open Date: 17-10

High Credit: 330, 000

Current Balance: 271, 481

Amount Overdue:0

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I couldnt understand how the same loan will be of type Individual as well as Joint. Now, BoB says that we will consider this as 2 individual loans :-((Govt emp as dumps). I have given gurantor for only one loan. But the report says that I have given gurantor to 4 loans.

I dont know whether the data entry person in LIC HFL have basic sense or just summa type whatever they want.

I want somebody to guide me how to get rectified by CIBIL report.

Thanks,

Senthil