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CIBIL To include Mobile Bill Payment History To Check Credit Worthiness Source Default on your mobile bill and you may soon become ineligible for a home loan or a car loan. Non-payment of telephone bills will also rule out the possibilities of getting a new credit card or even another mobile number. Cibil, the country's credit information bureau, which tracks credit history of consumers, is taking steps to include mobile and telephone bill payment history to calculate the credit worthiness of an individual. It has already launched a pilot initiative with Vodafone's post-paid customers and is in talks with the country's largest telco by customers, Bharti Airtel, for a similar project. It is also learnt to have approached other leading telcos for tie-ups. "Our aim is to eventually link the telecom utility payment history to the banking and financial records of customers and make it available as a Cibil record to banks and other financial institutions," Cibil managing director Arun Thukral said. Cibil issues a numerical score out of 900, which indicates a customer's payments history of loans. This score is issued to banks that need to know financial history of a prospective borrower. The agency is now looking at adding telecom bill payments of post-paid customers, landline users and broadband subscribers as a weightage in that Cibil score. Only 5% or about 45 million of the 900 million mobile connections in the country have a post-paid connection, but this represents the high-end customer base in the nation. The country also has about 50 million and 14 million landline and broadband customers, respectively. Once the tie-ups with telcos are in place, Banks such as ICICI, HDFC, SBI and others may see an individual's phone bill payment history to deny or approve a car, credit card or housing loan. "The database can also be used by a telecom service provider when issuing a post-paid number to an individual. It will lower delinquencies and improve their quality of customers," Arun Thukral added. Vodafone confirmed the deal with Cibil and said it had entered into an agreement with the credit bureau and TransUnion Software Service Pvt Ltd, a move that would enable it to assign credit limits and improve customer service. Prior to this, Vodafone's subscribers were provided with a pre-assigned minimum credit limit, until the full credit validation process is completed. This, at times, restricts the customer's ability to use services beyond a point, especially data and value-added services ( VAS), the company added. Other telcos are also set to come on board soon. "We are exploring the possibility of mutual partnership to leverage Cibil and Bharti's database for the benefit of the industry and both the organisations. Both the organisations carry rich database of consumer behavior and history which can be used for customer profiling based on financial as well as telecom spend," Bharti spokesperson told ET. RCOM confirmed that Cibil had approached the telco with a proposal to use their database to enable the company profile our post-paid customers.

Hello RIMwebians, This thread has been opened to clear all the doubts regarding using DATA Services on Reliance CDMA Phones. I see many members seeking for help to know details about the plans, or many members ends up making huge Bills due to wrong plan selected or wrong PPP used. PPP plays an important role while using the DATA on CDMA phones, its same as like APN in the GSM. The PPP you will use, you will be charged as per it only. There are two PPP :- RMW PPP and RNC PPP. If one use RMW PPP by taking RNC plan or vice versa, it will end up in huge bill or sudden decrement from Prepaid Balance. All PPP settings are initially done by your seller in case of Imported Handsets and are set to RMW in case of Proprietry Reliance Handset. So carefully choose the plan and use the PPP Accordingly. All plans listed can be used on the phone or tether to your PC. Any member can ask the question about the same if there is any doubt and all queries will be answered and solved within 48 hours. Regards Amit Jain RIMweb.in Member POSTPAID: PREPAID: Prepaid Rs.5 pack discussion: http://www.rimweb.in...a-mobile-users/

Google Have Removed the link so here is Latest at XDA http://forum.xda-dev...d.php?t=1473092 How to flash: Download Odin 1.81 and run .exe file Download and unzip software Open Odin and keep all checkbox defaults (DO NOT select EFS clear or you will wipe PRL) Select the software files as follows: Bootloader: SPH-D720-IMM26-BootLoader-signed.tar PDA: SPH-D720LE-IMM26-PDA Signed.tar Phone: SPH-D720LE-IMM26-Modem-Signed.tar"

Only way out of this issue, is to surrender all postpaid connections and go prepaid.... Or even that is vulnerable to CIBIL's rule? I am myself a victim of CIBIL's bad credit rating. It was about 7 years back, now it has been finally rectified and I have a score of around 865 now. I am happy now atleast, but trust me 7 years to rectify mistakes is not a joke by any standard.

Even the current CIBIL Database related to loans/credit cards has lot of errors and individuals are at a disadvantage in getting the errors rectified. I shudder to think what's going to happen when telcos will submit wholesale data inclusive of terrible billing errors. Imagine a scenario when someone is slapped with a faulty bill running into thousands by the operator (which is not a rarity by any means), customer disputes it and does not pay. Operator will file data with CIBIL as default, ruining the credit history of the individual.

Kapils Method of Fastboot Flash will only work if you have did "fastboot oem unlock" Bootloader unlocking, but ODIN method will work universally to all handset and its easy and safe.

^^^ 1 kBps = 8 kbps so, 350 kBps = 2.8 Mbps 100 kBps = 0.8 Mbps