Learn how Suit-Filed in CIBIL affects your credit & loans. CrediBoost helps remove negative remarks & improve your score. Contact us today!
Suit-Filed Status in CIBIL Report: How It Affects You and How CrediBoost Can Help Remove It
If you have ever checked your CIBIL report and found the remark “Suit-Filed”, you already know how stressful it feels. Many people panic instantly because they don’t understand what it means or how to get rid of it.
The Suit-Filed status in CIBIL indicates that a bank or financial institution has initiated legal action against you due to non-payment, settlement issues, or long-term outstanding dues. This remark damages your financial reputation and can completely block your chances of getting fresh loans, credit cards, or even business funding.
But here’s the truth: Suit-Filed does not have to be permanent. With the right professional guidance, you can remove it from your report and restore your financial credibility.
What Does “Suit-Filed” in CIBIL Mean?
The Credit Information Bureau (India) Limited (CIBIL) records repayment history of borrowers. When a loan account is unpaid for a long time or repayment terms are broken, the lender may move to court for recovery. Once this step is taken, the lender updates the account status to “Suit-Filed”, which becomes part of your CIBIL report.
Why Do Lenders Report “Suit-Filed”?
- Continuous EMI defaults (NPA cases)
- Partially closed or unsettled loans
- Cheque bounce cases
- High outstanding balances
Impact of “Suit-Filed” Status on Your Financial Life
The presence of Suit-Filed status in your CIBIL report can cause:
- Loan and credit card rejections
- Overshadowing of high CIBIL scores
- Joint loan eligibility issues
- Damage to professional credibility
- Severe emotional stress and family pressure
Common Myths About “Suit-Filed”
- Myth: If I repay dues, the remark will vanish automatically.
Truth: Repayment must be confirmed and updated by the bank. - Myth: A high CIBIL score hides the remark.
Truth: Lenders care more about remarks than score. - Myth: It cannot be removed.
Truth: With proper guidance, it can be cleared.
How Long Does “Suit-Filed” Stay?
Unlike late payment history, this remark doesn’t expire automatically. It remains until the lender confirms closure and informs CIBIL. Some borrowers carry this status for years simply due to inaction.
Why Borrowers Fail to Remove It Alone
Most people struggle because of:
- No clarity on the right process
- Bank delays in updating records
- Lack of proper closure documents
- Miscommunication between bank and bureau
The Right Way to Handle “Suit-Filed”
Two essential steps are required:
- Lender must confirm closure of the case
- Credit bureau must update the report
How CrediBoost Solutions Pvt. Ltd. Helps You
- Direct communication with banks
- Proper documentation support
- Faster updates in credit reports
- Customized credit repair plan
- Transparent and reliable process
Case Study (Illustration)
A borrower had a personal loan marked as “Suit-Filed.” Even after clearing dues, his report showed no improvement. After contacting CrediBoost Solutions Pvt. Ltd., our experts coordinated with the lender, processed closure, and ensured the bureau updated the report. Within months, the remark was gone, and the borrower successfully took a home loan.
Why Choose CrediBoost?
- Specialized in credit remark removal
- Dedicated and experienced team
- Proven track record with clients
- Quick turnaround time
- Complete financial guidance
Final Words
The Suit-Filed status in your CIBIL report is not permanent. With expert help, it can be resolved, and your financial profile can be restored. Don’t let it stop your dreams.
Call-to-Action
Is your CIBIL report showing ‘Suit-Filed’ status? Don’t let it block your financial future. At CrediBoost Solutions Pvt. Ltd., we remove negative remarks and improve your credit score.
📞 Phone/WhatsApp: 8099690448
📧 Email: crediboostsultsolutions@gmail.com
🌐 Website: crediboost.in