Hi CardBhai,
I had 5-6 credit cards and defaulted on all of them and 2 personal loans which I had defaulted.
However I have settled(settlements) all the cards and personal loans 3 years ago and I am very well aware what my CIBIL report would look like. Although I'm not looking at borrowing now but I still wanted to confirm if at all in the future I would get any help from any type of financial institutions for any credit facility?