Tell us your CIBIL Problem

Tell us Your Problem Related to Credit Scores

Has your banker or lending institution turned down your request for Credit Card, Business Loan, Start-Up Loan, Personal Loan, Auto Loan, Car Loan, Home Loan, Commercial Vehicle Loan, Agricultural Loan or any other type of loan by saying:

• Your CIBIL or Credit Report is not Good.
• Your CIBIL Scores or Credit Scores are not up to the minimum mark for getting sanctioned the Bank Loans or Credit Card.
• Your Credit Report has “Settled” or “Written Off” account.
• Your CIBIL Report includes loan account where it is overdue or past due account.
• Accounts reported in your Credit Report are categorized as Sub-Standard, Doubtful or Loss Assets.
• Though the reported loan accounts are regular and you have exhausted your repaying capacity.
• You are a joint or co-borrower in a loan account, which is in default.
• You have stood as Guarantor in a loan account which remained in default in the past or is in default presently.

Then you may find it difficult to convince your banker or lending financial institution even if you are not a defaulter. Such questions can be answered easily only by a qualified and experienced professional, especially one who has practical banking experience and know how to analyze and get such damaging Credit Reports.

At the first instance, the analyst will require the following information from your side to proceed further for critical analysis of your Credit Reports by any Credit Rating Agency like CIBIL, Experian, Equifax or HighRank.

STEP-1: SUBMISSION OF DOCUMENTS:

1. Exact Name as per PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
2. Exact Address as per PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
3. Mobile Number and Email ID if any.
4. PDF Copy of the latest CIBIL Report which should not be more than 10-15 days old.
5. Scanned Copies of PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
6. Account Numbers of your any Two previously closed loan/credit card accounts or existing loan/credit card accounts along with the amount of loan, Purpose of Loan and Year of Loan. Correct information on your existing or closed loan accounts will help us fetch your Credit Report more accurately from the various Credit Rating Agencies.
7. Exact Problem: Narrate here that you visited your bankers and they refused to sanction your loan due to various reasons like i) Bad CIBIL Report ii) Poor Credit Score iii) Many Delinquency Strings in the Credit Report iv) Report includes overdue accounts, Settled Accounts and/or Written Off account.

You can submit the above documents through Contact Us after having a personal dialogue at given Mobile/Land Line Numbers.

STEP-2: PAYMENT OF PROFESSIONAL FEES AND OUT OF POCKET EXPENSE:

Immediately after submitting the documents and information as above you will be directed to make online Payment of Professional Fees and Out of Pocket Expense through Online Payment Links at CIBIL Consultants.

Beware Holders of Multiple PAN Cards - e-PAN launched

At last, the Government of India has heeded to my request for issuing e-ID Proofs, e-Passports, e-Driving Licenses, E-Voter ID Cards and e-PAN Cards in line with e-Aadhaar which can be downloaded anywhere anytime. The government has issued its first e-PAN to get rid of Problems relating to "Multiple PAN Cards issued to One Person" and "Same PAN Card issued to more than one Individual". I am sure that if the GOI comes with e-ID Proofs, e-Passports, e-Driving Licenses, E-Voter ID Cards also - then nobody will be able to cheat the Banks or any other person/institutions and it will also save India and Indians from Identity Crisis which is lurking on the resident of India.

e-PAN Launched to Catch Hold of Multiple PAN Card Holders

Today one of our client who was facing a lot of CIBIL Problems, due to faults in his PAN Card, received his first ever e-PAN as shown in the image.

Really it is a welcome step by Government of India to switch to e-PAN from Physical PAN as it will solve many Problems relating to PAN Cards. I am of the opinion – if the GOI bans all ID Proof Issuing Authorities to issue Physical ID Cards and asks them to issue only e-Identity Card then India can avoid the Identity Crisis, which is likely to be faced by the Indians in the next 5 years or next decade. If you are facing any Identity Crisis – Consult this Expert or Join the Premium online Whats App Groups named “Solve CIBIL Problems Online“.

As per Data available on Income Tax website of GOI: (As on 25/07/2017)

Total Registered Users	:	6,08,66,580
Registered and Aadhaar Linked	:	2,67,47,617
Not-Registered but Aadhaar Linked	:	1,30,27,992 (Aadhar Linked PAN not having IT Profile.
e-Verified ITRs (17-18)	:	60,15,544 ( Last Date is 31/07/2018)

From the above data/figures, it is evident that Public is not taking the Government Instructions seriously and that's why the Government has levied Penalty of Rs.10000 for late filing of IT Returns ( which will not be possible without PAN linking with Aadhar) wef Financial Year 2017-18 and AY 2018-19.

Breaking News – Get Lost PAN Card within Minutes!

Get Lost PAN Card within Minutes! Yes, it is true, Now you can get your Lost PAN Card in the shape of E-PAN within minutes.

• No need to apply fresh
• No Need to give Fresh Photos
• No Need to give Fresh ID or Address Proofs
• No Need to give Fresh Date of Birth Proof

Just visit CIBIL Consultants along with your Aadhar and Aadhar Linked Mobile to get your Lost PAN Card immediately

Download your e-PAN online.

Source: CIBIL Consultants