.............As per Reserve Bank of India’s guidelines, CIBIL can only share data with banks and not with individuals. On being asked if defaults on telephone bill payment could jeopardize the chances of an applicant receiving a housing loan or any other credit services, Chandorkar says: “This is part of data collection. How banks use such information depends on their credit policy. We collect and provide data; we do not issue any guidelines to banks about an individual’s creditworthiness.”...........
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