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Once you repay your loan completely and your loan is closed, a no objection certificate is generated. It is an important legal document issued by the financial institution in which they declare that you have no outstanding dues towards the lender. Only after you collect the NOC letter, your loan cycle is truly over.

CIBIL will recognise you as a defaulter if your name is on that list due to non-payment of your dues. For How many Years does CIBIL Keep a Track of Defaulters? 7 years from the last date of report.

3: How do I resolve such a fraud on my PAN card? You have to register a complaint with the Cyber Crime cell of your city immediately. Also, inform your credit bureau to remove the fraud loan from your records.

Most negative information generally stays on credit reports for 7 years. Bankruptcy stays on your Equifax credit report for 7 to 10 years, depending on the bankruptcy type. Closed accounts paid as agreed stay on your Equifax credit report for up to 10 years.

Accounts closed in good standing may stay on your credit report for up to 10 years, which generally helps your credit score. Those with adverse information may remain on your credit report for up to seven years.

The Credit Information Bureau of India Limited gathers and syncs all information to make a Credit Information Report containing an individual's details of credit and defaults. This record stays with them for minimum 7 years from the date of first late report. Kindly note that CIBIL cannot delete or modify your records.

Steps To Download Credit Report From CIBIL Website Visit the official CIBIL website. Click on 'Get Free CIBIL Score & Report' Fill up the form with the required details. Submit the form and complete the verification.

How To Remove ?Settled? Status from Your CIBIL Report? To clear the ?Settled? status from your CIBIL report, you need to pay the outstanding amount on your loan and get a NOC (No Objection Certificate) from the lender. The next step is to raise a dispute on the CIBIL website.