POSTED BY June 21, 2013 3:54 pm COMMENTS (9)ON
I’ve applied for a home loan with SBI, they told me that in my CIBIL report I’ve a “Written Off” status against my name for a credit card (nearly Rs: 1 Lac). So without getting NOC from the credit card issuing bank they will not able to process my loan.
This was a biggest shock in my life, because till now I’ve not missed any credit card payments or EMI. I’ve taken home loans, personal loans, car loan etc during the last 8 years, all of them I payed back and closed. Even I’ve taken my CIBIL rating 6 months ago, I had 800+ score.
I took a CIBIL score immediately, now my score reduced to 620. The written off status shown against a credit card which I hold in way back in 2004 when I was in chennai. But I’ve closed this account before relocating into a new city. After that I’ve not received any communications from them.
At the moment I do not have any proof for closing this account 🙁 What do I do now?
I went through various threads in this forum related credict card settlement. What are my options. Looking for your valubale suggestions.