u/SuneelInTech

Hi everyone,

I'm looking for some honest advice from people who have dealt with serious credit issues.

My current scores are roughly:

CIBIL: 624

Experian: 407

Equifax: 474

Highmark: 533

The main reason seems to be a negative account from KREONFIN. I originally took a loan of around ₹10,000, but now the credit report shows:

Overdue Amount: ₹58,822

Payment Delayed: 900+ days

I'm shocked by how much the amount has increased compared to the original loan.

My questions are:

Is my credit history permanently damaged, or can I still recover from this?

If I settle or fully repay the dues now, is it realistically possible to get my credit score back to 750–770+ in the future?

Has anyone here recovered from a 400–600 credit score range and later qualified for good loans or credit cards?

Should I negotiate a settlement, or is paying the full amount better for rebuilding my credit profile?

Since the original loan was only ₹10,000, is there any way to dispute or verify how the outstanding amount became ₹58,822?

I'm willing to fix the situation, but I want to know whether there's still a path forward or if the 900+ day delinquency has permanently ruined my credit profile.

Any suggestions or experiences would be greatly appreciated.

Thanks in advance. 🙏

My biggest concern: Is reaching 770+ again possible, or should I be realistic and expect that my credit report will always be heavily impacted because of this default?

Gate 2027 or TCS Digital

Dear Reddit community,

I’m currently working at Tata Consultancy Services as a System Engineer with a package of 7 LPA, and my in-hand salary is around 52k per month.

I graduated in 2024 with a B.Tech degree. During college, I mainly aimed for Product-Based Companies and targeted SDE/Software Engineer roles, but unfortunately, I wasn’t able to crack them, partly due to my skill level at that time.

Recently, I attempted GATE 2026 (CSE) and scored 41 marks. At present, my domain in TCS is Data Engineering.

I wanted to ask for genuine guidance from experienced people here:

Is Data Engineering a good domain in the long run?

Do Product-Based Companies hire Data Engineers frequently?

If they do, are the salaries and growth opportunities comparable to SDE roles?

Would it be better to continue building my career in Data Engineering, or should I seriously prepare for GATE 2027?

I’m open to honest suggestions and advice from people who have experience in these fields.

Thank you.

Dear Reddit community,

I’m currently working at Tata Consultancy Services as a System Engineer with a package of 7 LPA, and my in-hand salary is around 52k per month.

I graduated in 2024 with a B.Tech degree. During college, I mainly aimed for Product-Based Companies and targeted SDE/Software Engineer roles, but unfortunately, I wasn’t able to crack them, partly due to my skill level at that time.

Recently, I attempted GATE 2026 (CSE) and scored 41 marks. At present, my domain in TCS is Data Engineering.

I wanted to ask for genuine guidance from experienced people here:

Is Data Engineering a good domain in the long run?

Do Product-Based Companies hire Data Engineers frequently?

If they do, are the salaries and growth opportunities comparable to SDE roles?

Would it be better to continue building my career in Data Engineering, or should I seriously prepare for GATE 2027?

I’m open to honest suggestions and advice from people who have experience in these fields.

Thank you.

Dear Reddit community,

I’m currently working at Tata Consultancy Services as a System Engineer with a package of 7 LPA, and my in-hand salary is around 52k per month.

I graduated in 2024 with a B.Tech degree. During college, I mainly aimed for Product-Based Companies and targeted SDE/Software Engineer roles, but unfortunately, I wasn’t able to crack them, partly due to my skill level at that time.

Recently, I attempted GATE 2026 (CSE) and scored 41 marks. At present, my domain in TCS is Data Engineering.

I wanted to ask for genuine guidance from experienced people here:

Is Data Engineering a good domain in the long run?

Do Product-Based Companies hire Data Engineers frequently?

If they do, are the salaries and growth opportunities comparable to SDE roles?

Would it be better to continue building my career in Data Engineering, or should I seriously prepare for GATE 2027?

I’m open to honest suggestions and advice from people who have experience in these fields.

Thank you.

Dear Reddit community,

I’m currently working at Tata Consultancy Services as a System Engineer with a package of 7 LPA, and my in-hand salary is around 52k per month.

I graduated in 2024 with a B.Tech degree. During college, I mainly aimed for Product-Based Companies and targeted SDE/Software Engineer roles, but unfortunately, I wasn’t able to crack them, partly due to my skill level at that time.

Recently, I attempted GATE 2026 (CSE) and scored 41 marks. At present, my domain in TCS is Data Engineering.

I wanted to ask for genuine guidance from experienced people here:

Is Data Engineering a good domain in the long run?

Do Product-Based Companies hire Data Engineers frequently?

If they do, are the salaries and growth opportunities comparable to SDE roles?

Would it be better to continue building my career in Data Engineering, or should I seriously prepare for GATE 2027?

I’m open to honest suggestions and advice from people who have experience in these fields.

Thank you.

Dear Reddit community,

I’m currently working at Tata Consultancy Services as a System Engineer with a package of 7 LPA, and my in-hand salary is around 52k per month.

I graduated in 2024 with a B.Tech degree. During college, I mainly aimed for Product-Based Companies and targeted SDE/Software Engineer roles, but unfortunately, I wasn’t able to crack them, partly due to my skill level at that time.

Recently, I attempted GATE 2026 (CSE) and scored 41 marks. At present, my domain in TCS is Data Engineering.

I wanted to ask for genuine guidance from experienced people here:

Is Data Engineering a good domain in the long run?

Do Product-Based Companies hire Data Engineers frequently?

If they do, are the salaries and growth opportunities comparable to SDE roles?

Would it be better to continue building my career in Data Engineering, or should I seriously prepare for GATE 2027?

I’m open to honest suggestions and advice from people who have experience in these fields.

Thank you.

Anyone who have joining on 14th May Noida (New Delhi) sector 135, Join this group

Connect and help each other out

https://chat.whatsapp.com/L5EUtpGvOXa26aeZIq4eQC

Anyone who have joining on 14th May Noida(New Delhi) sector 135, Join this group

Connect and help each other out

https://chat.whatsapp.com/L5EUtpGvOXa26aeZIq4eQC

Is there anyone from Andhra Pradesh or telangana

Have joining date on may 14th in Noida office please DM me

I am from andhra pradesh we can plan the journey and all

Hi everyone

My joining date is May 14th Noida

They asked me to report on 14th

Here the problem is I am Hyderabad

Should I pack everything to the nearest pg for training or just a bag with documents to report only that day and return to my city

Anyone please help me

Is accomodation provided by tcs?

Those who received joining letter and physical reporting at Noida may 14 please DM me