Quote Originally Posted by Aansh View Post
I had a HDFC credit card in 2010 and also defaulted on the credit card payment but that issue was amicably settled with the HDFC Bank in 2011, after which I stopped using that credit card.
Do you have any document from the bank to acknowledge that fact?
- If yes, submit that proof to CIBIL. CIBIL then verified and incorporated the updated, correct info in your credit report.
- If not, go to HDFC bank and take letter that you had made all the payment to HDFC Credit Card dues.

After few months again check your credit report, if all OK, go for home loan.