Credit Rating impacted due to negligence?

Question

I work with WIPRO .
I had taken a credit card back about 7 or 8 years from ABN AMRO Bank then become Bank. I was regularly paying the card and I have cleared the balance when I had travelled to USA. 
I understand Bank has taken Over Back and then my online access got withdrawn. Now claims that I have some dues towards the credit card. They have neither communicated to me nor send me any statement. 
Now, when I intend to take a housing loan, I am surprised to see my credit rating is screwed up because of activity. 
 

Answer 1

Dear Venugopal

Please note that any small amount, if remained unpaid on the credit card, would have attracted late fee charges and interest and the Bank would have furnished the data to CIBIL, which is as per the guidelines.  Please get in touch with Bank or CIBIL to know the exact dues and then should take up with the card issuing bank, pay off the actual dues to them and seek waiver for the extra charges.  Once the Bank dues are cleared with some sort of a mutual settlement, they would write to CIBIL to clear your name from their list.

RAJA