I had two Credit Cards and the same were settled in 2007. One was written off and the other was also overdue. I cleared all the amount and after I applied for a loan in 2011, I am surprised that my name is still in CIBIL. I didnt opt for any loans or any facilities since the time of my settlement with you so that my CIBIL score is improved. Request you to kindly get me a clarity as to how to go about getting my name knocked off from CIBIL because of the cards taken from you. When I was settling, I did ask the manager if it would effect my CIBIL score. I was told that eventually the same will be removed. I also asked him if I need to pay more so that it is not effected for which your Manager had said that the amount he's collecting is good enough and will not effect my CIBIL.

It really pains me to have been rejected a loan where my income levels have increased. I am going through a lot of mental agony because of this and its hard to face life like this.