Cred Cash account still not closed in Credit report after 6 months

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Deal Lieutenant
priyanshu23
I availed a small loan from cred cash last year and then pre paid it before due date and it was settled. But the loan account was still reflecting as an IDFC first bank personal loan in my credit reports in the following months. I contacted cred grievance email id in April 2024 and they called me back the next day. I was asked for confirmation over the call if i still wanted to close my cred cash account, I said yes. They told me it would be closed and wouldn't reflect in your credit reports as active in few months. I know these processes takes time to reflect in credit reports. But still after 6 months the IDFC first bank loan account is still showing as active in my credit reports. My cred cash account was closed and it vanished from may or June. But now again cred cash is being shown in my cred account but as an offer to activate the account with higher loan limit. That means my cred cash account is closed but my personal account is not. Can someone guide me who to contact for all this? Cred or IDFC bank? Like if anyone can provide some email ids would be very grateful.
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Deal Lieutenant Deal Lieutenant
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@priyanshu23

under which option you found it in IDFC app? can you elaborate so that I can check as well:)

cc: sumit031

Deal Lieutenant Deal Lieutenant
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@DEEPANGEORGE

Just login to idfc app, then on top there are sections, click on loan, ig there's any active loan, it will show that account there otherwise will show option to apply for loan

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Finance Ninja Finance Ninja
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contact idfc , they handle reporting to cibil , cred is just a mediator
Benevolent Benevolent
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U Can Raise Idfc Via Twitter And Send Some Screenshots Of Cibil
Deal Baba Deal Baba
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You can take NOC of closure from idfc & share it to Cibil or Experian. They will remove it. 

May take time to reflect, 3 to 4 months or earlier.

Deal Lieutenant Deal Lieutenant
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Yeah that's the thing right they should have given an noc after closure but they didn't that's why such problem, will have to ask manually now

Deal Subedar Deal Subedar
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reach out to IDFC for closure. For me it was not closed for one year. Then one fine day, I saw the loan reflecting on my IDFC app (I hold IDFC account). So closed it from app and the loan was closed permanently.

Deal Lieutenant Deal Lieutenant
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I do have a credit card with idfc but no savings account, but will check once if it's there in app

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Post Mogul Post Mogul
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Try asking for noc, if haven't recieved one

Deal Lieutenant Deal Lieutenant
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Yeah closed the loan via idfc app, got noc

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