CIBIL — CIBIL - Credit Information Report

Hello,


Thank you for the quick response, i have tried to raise an on line dispute, but i could not found the proper category. My concern is i have got my CIBIL report[protected] with control number[protected] and that report says my score is 778 and does not show any fault nor any part is under dispute and the report which i received from Citi Bank on 1-7-2015 with control number[protected], an this report says my score is 716. I want to know what went wrong within 3 days so my score came down from 778 to 716.


More over the Citi bank CIBIL report says scoring factor as


1. Presence of a tradeline 91+ days delinquent 13 or more months ago.
2. No presence of a revolving tradeline
3. Presence of severe delinquency in the past 6 months


But both the CIBIL report does not show any faulty payment made by me in the payment history for all my 3 accounts. Best of my knowledge none of my payments are crossed the due date. Also EMPLOYMENT INFORMATION UNDER DISPUTE shows error reported on[protected], where my report which generated[protected] does not show any error.


Hence i would like to know why 2 report shows different CIBIL score which is generated within 3 days gap and the reason for scoring factors showed in the Citi banak Report.

Dear Customer,

We regret the inconvenience caused to you. You can now raise an on-line dispute for any data inaccuracy reflecting in your report. Please fill and submit the dispute resolution form available at: http://bit.ly/1xsT90b.

Once you have raised the dispute CIBIL’s Dispute Resolution Team will analyze and route the dispute to the respective Credit institutions for confirmation. Please remember that CIBIL cannot modify any information in the database without confirmation from the relevant Credit Institutions.

Regards,
CIBIL Consumer Services

Hi Sir,

this is koti from Debt Doctor Management Services.

I will explain what happened, call my number

koti
[protected].

Exact Same thing happened to me. My Credit Card application got declined by AMEX and the cibil report provided by them had a credit score of 644 and the same 2 issues:

1. Presence of a tradeline 91+ days delinquent 13 or more months ago.
2. Presence of severe delinquency in the past 6 months

I paid 1200 on the Cibil site for my credit report. This fresh report (generated 2 days after the Amex report) had a score of 746 and no such issues at all.

Why is CIBIL providing 2 different scores for the same period? One for customers and other for banks. This is fraud (taking money and providing wrong scores) and scam. Is there any explanation for this?