My CIBIL report shows a loan from Kisetsu Saison Finance that I haven't taken. Is Kisetsu Saison Fin

"Kisetsu" in the context of CIBIL (Credit Information Bureau (India) Limited) typically refers to Kisetsu Saison Finance (India) Private Limited, a legitimate Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). It operates under the brand name Credit Saison India and is a subsidiary of Credit Saison Co. Ltd., a well-established Japanese financial services company.

Credit Saison India offers a variety of loan products, including business loans, personal loans, and loans against property, with a focus on underserved segments such as small and medium-sized enterprises (SMEs). It uses both direct lending and technology-driven partnerships to deliver its financial services.

Any loan or credit account taken from Kisetsu Saison Finance will be reported to CIBIL, which means your repayment history, loan performance, and credit behavior with this NBFC will be reflected in your CIBIL report and will influence your overall credit score.

A CIBIL (Credit Information Bureau (India) Limited) account only reflects loans that an individual has taken and the associated payment history. CIBIL compiles data from various financial institutions, including banks, to create a credit report that provides a comprehensive picture of an individual?s credit history.

It is important to regularly check your CIBIL report to ensure that it accurately reflects your credit history, including all the loans you have taken. If you find any errors or discrepancies in your report, you can raise a dispute with CIBIL to have them corrected.