I received an offer from HSBC and BGV is in progress. As part of BGV, they are asking for Cibil report. I have a defaulted loan (as a guarantor) due to late payments and my credit score is negatively impacted and my current score is 710. Will it have any impact in my offer? I'm worried if HSBC would revoke the offer. I have already resigned from my current organization. Anyone faced similar situatjon?

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No impact on your offer letter. HSBC is offering you a job, not credit card or a loan. Also anything more than 700 score shouldn’t have impact on anything not even on loan eligibility.
Chill man/lady.

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Thank you!

In how many days you got the offer letter after HR discussion?

After 20 days post the HR discussion

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Hi All,

Hope you all are doing well!

I have recently accepted the offer letter with HSBC but i don't have any cibil score as i don't have any credit card or loans in the past 5 years.

Will this impact my BGV at HSBC?

However, I'm not any defaulter and also I don't have any financial criminal history.I checked the same in the cibil report.


I have taken education loans 7 yrs back and cleared it long back and can see the same in the cibil report

Hey did it affect anything?

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