I never taken loan but still showing in my cibil.

[Jitender Dhawan]

There is a loan in my cibil account and I haven't taken it. So how to fix it. Because of this loan my cibil is being effected.

 

[Lucifer38]

Same happened to me
I checked my report recently and found that there is one account which was opened in 2021, but i don't recall creating that
Also, it shows that my payment is delayed, that is also very unlikely, as i never default my payments.
After the 2021 update, the loan account don't show any update. Neither it is marked closed.
It has drastically affected my CIBIL and CRIF score, my Experian score is not affected much (That's what i think)
Please help what should i do
I have emailed to the concerned lender today, hoping to get a reply.

 

[abhimarda]

BNPL facilities appear as loans in credit reports. Just check if you had taken any such facility from Amazon/ Flipkart or any such similar thing from any other site. These are provided by various NBFCs who are notorious in not updating the same correctly. Also taking too many BNPL facility will show as too many personal loans in your report which affects your score negatively.

 

[Lucifer38]

I did checked, none of them correlates to the loan. Additionally, the report mentioned the the loan type as 'Others', instead of personal loan.

 

[abhimarda]

BNPL may show as others as well. The credit report should show the amount of loan as well. Did you take any BNPL facility of that amount close to that time?

 

[Lucifer38]

Yes i checked, even checked all my orders during the loan starting date. But nothing matched.
Even i looked upon the account number, it seems like something of "DX Delivery services"
But i never took loans for delivery services
I'm just waiting for reply from the lender company