Understanding Option Chain

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Manjunath L
Manjunath L
9 years ago

Hi i had hsbc loan which is written off .Also when i checked in cibil report
score is 593 due showing Rs16661 is total due.i raised complaints with hsbc bank
after providing all documents they told it will take some time make
balance 0 also i took a 8 gold loan which is due from till now till last months
till i get cibil report not paid anything if i clear all gold loan my
cibil report is going to improve or not In HSBC a/c as said earlier days past due it is showing 900 800 859
828 798 is showong in decreaing order Till 169 in all colum how to
remove ,how manys days it will be there .In that payment end date is
01/09/2011.somebody say that it will there till 7 years ,afterwards
become zero .For home loan this is negetive if my score improve. How to
overecome plz suggest me

Nitin Bhatia
Nitin Bhatia
9 years ago
Reply to  Manjunath L

I can only comment after going through your report.

Avinash sakamuri
Avinash sakamuri
7 years ago
Reply to  Nitin Bhatia

Hi Sir,
iam Avinash sakamuri
Present my score is 740 .but issue was i had dpd’s in my past .2015 .but now all my loans are closed . And I taken one two wheeler loan and and CD loan Hut no bank was not given personal loan please let me know how to get pl

Nitin Bhatia
Nitin Bhatia
7 years ago

I can comment only after going through your credit report. You can pull out your credit report for free through following link
https://www.nitinbhatia.in/free-credit-report-2/

Siju Sreenivas
Siju Sreenivas
8 years ago

Hi Nitin Sir,

I am confused with an analysis on my CIBIL report by a team. I am writing to you to get an expert opinion on this.

In my CIBIL report for once of the credit card account the DPD status is as given below. This account’s DATE CLOSED in CIBIL is 07-Oct-2009. Default status, every thing is shown as blank (thought this is a settled account)

I was informed by a report analysis team that, the DPD for Sep 2009 is 161 will deteriorate my score every month since the DPD is shown as XXX for Oct 2009. Can you please give me your expert advice in this, is this true ? since this is a properly closed account as per CIBIL. The team who analysed my account is asking to make the due (which is no where mentioned in CIBIL report) and get the DPD as 000 for this month (Feb 2016) to stop the further damage to CIBIL score because of the Oct, Sep 2009 DPD Entries.

Waiting for you expert opinion.

Oct 2009 – XXX
Sep 2009 – 161
Aug 2009 – 130
Jul 2009 – 099
Jun 2009 – 069
May 2009 – 038
APR 2009 – XXX
MAR 2009 – 000
FEB 2009 – 000

Thanking you in advance.

Thank N Rgds,
Siju

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  Siju Sreenivas

XXX means, the bank has not reported any details. You can ignore the same. 000 or STD means the payment was made on time.

Mohammed asif
Mohammed asif
8 years ago
Reply to  Nitin Bhatia

This is not the satisfied answer, siju
expected answer was different,How he should change his dpd status into 000 or STD.

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  Mohammed asif

It cannot be changed. It is reporting based on actual payment received against due date i.e. delay in payment. I have explained it in detail in my post.

Chaithra shetty.s
Chaithra shetty.s
7 years ago
Reply to  Nitin Bhatia

Hi Sir,

My bank has given false DPD to CIBIL. It’s showing range 350 for the month of jan,feb,mar 2016. But I have paid with in 30 days post due date. Kindly assist.

Thanks in advance.

Chaithra shetty.s
Chaithra shetty.s
7 years ago

Hi Sir,

My bank has given false DPD to CIBIL. It’s showing range 350 for the month of jan,feb,mar 2016. But I have paid with in 30 days post due date. Kindly assist..

Thanks in advance.

Nitin Bhatia
Nitin Bhatia
7 years ago

You may raise online dispute for correction.

Manish Joshi
Manish Joshi
7 years ago

Hello Sir,
I had the same issues as given above as expample of Mr. Ravi but the only difference is i paid them full amount along with penalties & Interest. But DPDs are showing to my Cibil which is creating issues me for further loan approvals. Please suggest how to handle this situation.

Nitin Bhatia
Nitin Bhatia
7 years ago
Reply to  Manish Joshi

In my opinion you should have negotiated for CIBIL Masking at the time of making payment. Now you can only request bank to clear DPD entries but cannot force them to clear DPD.

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