If your loan application was recently rejected and nobody told you why — there is a strong chance the answer is sitting quietly on your CIBIL credit report. Two specific words — “Written Off” and “Settled” — can silently destroy your loan eligibility for years, even after you have paid the outstanding amount in full. In this article, we explain exactly what these terms mean, why banks treat them so seriously, and how Shivafinz has helped over 210 customers across India repair their CIBIL reports and get their loans approved.
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