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4h ago

The Danger of Settled Accounts on Your CIBIL Report

When a borrower ‘settles’ a loan instead of paying it in full, it’s marked as ‘Settled’ in the CIBIL report-not ‘Closed’.

This indicates the borrower failed to honor the original terms. Such remarks can reduce your score by 75-100 points and stay visible for seven years.

Always repay the full principal amount and ensure the lender reports the account as ‘Closed with zero dues’.

The Single Most Important Rule Why Paying on Time Builds 35 Percent of Your CIBIL Score

Discvr• By Sneha Pathak

Explore:Mutual Fund AI Screening

neutral

4h ago

The Danger of Settled Accounts on Your CIBIL Report

When a borrower ‘settles’ a loan instead of paying it in full, it’s marked as ‘Settled’ in the CIBIL report-not ‘Closed’.

This indicates the borrower failed to honor the original terms. Such remarks can reduce your score by 75-100 points and stay visible for seven years.

Always repay the full principal amount and ensure the lender reports the account as ‘Closed with zero dues’.

The Single Most Important Rule Why Paying on Time Builds 35 Percent of Your CIBIL Score

Discvr• By Sneha Pathak

Explore:Mutual Fund AI Screening

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The Danger of Settled Accounts on Your CIBIL Report

about 4 hours ago

1 min read

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Avoid loan settlements—always pay in full so that your account is marked ‘Closed’, not ‘Settled’, in CIBIL.

When a borrower ‘settles’ a loan instead of paying it in full, it’s marked as ‘Settled’ in the CIBIL report-not ‘Closed’.

This indicates the borrower failed to honor the original terms. Such remarks can reduce your score by 75-100 points and stay visible for seven years.

Always repay the full principal amount and ensure the lender reports the account as ‘Closed with zero dues’.

When a borrower ‘settles’ a loan instead of paying it in full, it’s marked as ‘Settled’ in the CIBIL report-not ‘Closed’.

This indicates the borrower failed to honor the original terms. Such remarks can reduce your score by 75-100 points and stay visible for seven years.

Always repay the full principal amount and ensure the lender reports the account as ‘Closed with zero dues’.

Companies:

TransUnion CIBIL

RBI-registered lenders

Tags:

settled accounts

credit report

settled accounts

credit report

loan closure

CIBIL

debt management

The Single Most Important Rule Why Paying on Time Builds 35 Percent of Your CIBIL Score

Source: Discvr

By Sneha PathakExplore:Mutual Fund AI Screening

Nov 8, 2025 • 09:47 IST

The Danger of Settled Accounts on Your CIBIL Report

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The Danger of Settled Accounts on Your CIBIL Report

The Danger of Settled Accounts on Your CIBIL Report

The Danger of Settled Accounts on Your CIBIL Report

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