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How to correct CIBIL report mistakes in next 30 days – A step by step Guide.
POSTED BY Jagoinvestor ON August 16, 2016 COMMENTS (14)
Today I am going to teach you some step by step process which will help you to correct your wrong CIBIL entries, which will, in turn, improve your CIBIL score. Most of the investors take some of the other kinds of loan and if they are not able to pay the EMI’s on time or default on the loan, their CIBIL report gets messed up and they don’t get further loans in future.
This is because once your credit history becomes bad, then lenders are not very excited to give you loans.
How to correct the CIBIL record?
I recently got a question from Mukesh Kumar, who saw a wrong entry in his CIBIL report. See what he says…
I have an error in my cibil report that I applied for loan in 2009.but it is wrong entry. How can it be corrected.
CIBIL report can contain mistakes either due to the investor’s mistake and their ignorance, but many a time the errors happen because of bank mistakes or manual issues.
Some reasons for mistakes in the Credit report.
The lender did not update the correct remarks with CIBIL The lender updated the wrong remark with CIBIL CIBIL makes mistake in name, address, gender or date of birth while creating the report The mistake happened while generating the CIBIL report There was some fraud using your documents and hence the wrong entries.
4 Step process of correcting the CIBIL mistakes.
Let me help you with the step by step process if you want to fix the errors in your credit report. Here you go ..
Step #1 : Check your CIBIL report.
You will not be able to move ahead unless you properly understand your current situation. So the first step is to apply for your CIBIL report and understand it properly.
Step #2 – Raise a Dispute Resolution with CIBIL.
Once you have understood your report, you should make the list of all the errors and mistakes in the report.
You need to fill up some details and mention the issues in your report which you think should be corrected. Once you do this, your dispute will get recorded and CIBIL will get in touch with the lenders one by one and ask them to relook at the issues if they would like to send a new update (the correct one).
Note that CIBIL will never make any changes in your report themselves. They will only do it once they get a go-ahead from the lender because at the end of the day, your CIBIL report is the collection of all the information CIBIL gets from various lenders.
How online dispute resolution with CIBIL works?
It can take anywhere from few days to 30 days for your dispute resolution to get sorted out. But I suggest waiting for 45 days. If you have questions on this, I suggest you read the FAQ on dispute resolution here.
This dispute resolution can be raised even if you have not bought the report yourself but got it from the lender while applying for some loan.
Now, in this case, it might happen that the lender refuses to correct some information because they think that they are correct and the investor is wrong. In which case the investor should take the 3rd step.
If the dispute resolution works, then the changes will happen in the report. But at times some lenders might disagree to some point and refuse to make the changes.
At this point, CIBIL can’t do much and you will now have to follow-up with the lender yourself.
Let me give you an example.
Suppose there is a guy who checks his credit report and see that one of the loans which he paid off fully, is marked as “WRITTEN OFF”. In this case, he can raise a dispute resolution with CIBIL and let’s say the lender says that the loan was still not paid off and some amount was remaining and with interest and late payment charges, the loan becomes bigger and later they marked it as WRITTEN OFF.
In this case, the guy has to contact the lender himself and then sort things out.
He can ask for all the explanation proofs and loan statements and prove if there was any loan outstanding or not. In this case, it would have helped if the person had taken a NOC once he thought that the loan is complete and paid off.
Meet the manager there or whoever is the in-charge of the CIBIL loans section. If 30 days are over and you are not getting any proper response, it’s the time to raise an online complaint with banking ombudsman. This way you have at least raised one leg of investigation and waged a war against the lender.
To give you an example, see how lender did not update the correct status with CIBIL in this case below.
I have taken loan from fullerton India long back and paid the same. they have also given me NOC. But the same is still not updated in CIBIL records. My financials status is now good and I can pay loan installments regularly. I am good salaried and paying IT also regularly. Can this improve my CIBIL Score and Can I get Loan ?
In case you face any issues, feel free to contact CIBIL team. Here are the CIBIL contact numbers on this link. Call their customer care number and mention your issues, at times this can bring faster results.
Step #4 – Close your Past Dues and Outstanding amounts, if any.
Finally, once you contact the lender, it might happen that there was a genuine mistake from the lender’s end. If they agree, they will update the correct status with CIBIL and your issue will get resolved in 60-90 days. But if not, then mostly the issue is due to some past outstanding amount which did not pay.
Loan Settlements and not paying EMI on time.
In most of the cases I have seen, the issue is some past loan for which 100% outstanding was not paid off by investor and it was settled for a lower amount. For example, support you owe Rs 1 lacs in the loan, but are unable to pay it and you do the settlement for Rs 60,000. Years later then you see a remark on your CIBIL Report which says “SETTLED” or “WRITTEN OFF”. At this point the situation is very bad because most of the investors don’t want to pay this surprising amount just to fix things.
I took Durable loan with Capital-First in Feb 2014 with period of 9 months. I paid first 6 EMI’s on time but the last EMI I didn’t paid, one fine day I got call from Capital-First Legal team and they asked me to clear rest of amount. So I paid remaining amount in single shot using Capital first online portal in Aug 2015. Recently in Feb 2016 I pull CIBIL Report and I found the above account marked as “WRITTEN-OFF” and Raised Dispute with CIBIL, I observed in latest (in May 2016) CIBIL report that the status changed “WRITTEN-OFF” to “POST(W/O) Settled”. I discussed with Capital First Customer care many times. They just gave reply like “you paid amount in stage of WRITTEN-OFF status. so it should be POST(W/O) Settled. it won’t change further” Is that true? and How do I remove that status from My CIBIL?
In this case, it’s very difficult to improve your score, because that bad remark will be there for many years/decades, unless you clear off the loan.
Get in touch with lender.
So if possible try to get in touch with the lender and speak to them about this. Ask them how you can get a “closed” remark for a loan. At times lenders are ready to take a lesser amount and update the entry as “Closed” with CIBIL.
Once you follow all these steps and correct your CIBIL mistakes, your CIBIL score will go up over time.
I hope you got a fair step by step process on correcting the mistakes in the CIBIL report? In case there are any questions, I will be happy to take them in the comments section.


What is a CIBIL Score?
Synopsis.
Abc Small Abc Normal Abc Large.
By Sujata Ahlawat.
In today's day and age, consumers turn to credit cards and loans to help them achieve their dreams and financial goals. The CIBIL Score is one of the important factors and measures in getting this much-needed access to credit.
What is the CIBIL Score, though? And what are the factors that influence it?
Here are answers to some of these commonly-asked questions:
What is a CIBIL Score? A CIBIL Score is a consumer's credit score. Simply put, this is a three-digit numeric summary of a consumer's credit history and a reflection of the person's credit profile. This is based on past credit behavior, such as borrowing and repayment habits as shared by banks and lenders with CIBIL on a regular basis (the details of which are featured in the consumer's CIBIL Report).
The Score is based on details found in the 'Accounts' and 'Enquiries' sections of the CIBIL Report, including (but not restricted to) loan accounts or credit cards, payment statuses, outstanding amounts and days past the due date. Ranging from 300 to 900, the closer a CIBIL Score is to 900, the higher are the chances of the consumer's credit card or loan application getting approved.
A person's past behavior is taken as an indicator of his/her future actions, and, in line with that, the CIBIL Score showcases a consumer's credit-worthiness. For example, when a person applies for a credit card or loan, one of the important factors that lenders check is the credit profile of the person as depicted by the CIBIL Score.
TransUnion CIBIL (formerly Credit Information Bureau (India) Limited) is India's leading credit information company with one of the largest collections of consumer information. It was established in 2000. What is a CIBIL Report? A CIBIL Report is a consolidated credit report that includes the consumer's CIBIL Score and credit summary, personal information, contact information, employment information, and loan account information. It is important to note that lenders consider both the CIBIL Score and Report to assess a person's loan eligibility. What are the factors that impact a CIBIL Score? The CIBIL Score is generated by a scoring algorithm, which takes into account a large number of data points and macro-level credit trends. It is based on 36 months of credit history. Primarily, there are four key factors that impact a consumer's CIBIL Score - payment history, credit mix of secured or unsecured loans, enquiries and credit utilisation. However, the latest CIBIL Score algorithm also includes the depth of credit (that is, the duration of your existing credit history from when your oldest credit account was opened), long term trend of outstanding balances, transaction history on credit cards, ratio of actual repayment amount to total amount due and new accounts opened/accounts closed. How can you work towards a positive credit profile? Your CIBIL Score is built on your credit history and past payments but will impact your future access to credit. What you do today can help you build a stronger and healthier credit profile. Here's how:
* Always pay your dues on time as lenders view late payments negatively. *Keep your balances low, do not use too much credit, and control your utilisation. And apply for new credit in moderation. *Maintain a healthy credit mix of secured (like home loan and auto loan) and unsecured loans (like personal loan and credit cards) - too many unsecured loans may be viewed negatively. *Monitor your co-signed, guaranteed and joint accounts monthly. Remember that you are held equally liable for missed payments in co-signed, guaranteed or jointly held accounts, and your joint holder's (or the guaranteed individual's) negligence could affect your ability to access credit when you need it. *Review your credit history frequently throughout the year. Monitor your CIBIL Score and Report regularly to avoid unpleasant surprises (like a rejected loan application). Checking your report regularly will also alert you to possible inaccuracies, if any. In case you spot any discrepancy, you can log a dispute on the CIBIL website or request the lender to report the correction to CIBIL. A positive credit profile can make you a good bet for the lender and pave the way for access to credit. Remember to monitor your credit profile regularly to ensure you are credit-conscious and loan-ready when you need it the most.
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Which is correct cibil score.
There are different types of errors in the CIBIL report as we have seen our customer’s report. Usually, there are two major issues with the customer’s credit information report.
Default on the payment. Inaccurate information reflecting on the customer information report.
The first problem is made by the customer. CIBIL score goes down due to irregular payment. The customer’s bad credit habit makes CIBIL score very poor. We have detail information in our previous article. Please click on the below link to know more.
Some reasons for the mistake in the CIBIL report:
Bank or credit institution sends wrong information to the CIBIL. Bank or credit institutions did not send a report to the CIBIL. Data mixing – Some time two customer data mixed up due to the same name or few major data similarities. Forgery- Someone may put your documents to the credit institution and make fraud to get the loan.
CIBIL Error Correction – Step by step process:
Buy CIBIL report:
At first, you have to buy a CIBIL report. Most of the people taking a free report from the different online portal. That is not recommended. Because some of the companies misuse your data. They apply for a loan here and there without informing you which decreases your CIBIL score. Even excessive application down your App score. Which reduces your loan getting probability?
Buy CIBIL report visiting CIBIL’s website directly.
The link is provided below.
There are three options for subscription. They are Rs.550 for one month, Rs.800 for 6 months, and Rs.1200 for one year. We will recommend buying 6 months report. Because it takes 30 days to 45 days generally to correct the CIBIL report. In some cases, it takes more than two months. It won’t take more than six months to correct all your error normally. Buying a six-month report you can take unlimited reports from the CIBIL site. You can check your report from CIBIL frequently, this will not affect your CIBIL score.
Check the CIBIL report carefully:
If you are unable to read the CIBIL report and understand you can’t find out the error or mistakes in your report. Accordingly, you can’t rectify the problem.
As we saw, few bank managers can’t read the CIBIL report correctly. So read the contain till the end carefully.
There are five sections in the consumer CIBIL report.
I nformation related to name and identification:
In this section, you will see your name, Date of Birth, Gender, PAN card number, voter card number, Aadhaar number, and Passport number.
In this section, you will find out your past and present mobile number which you provided to the bank at the time of the taken loan.
Next, you will find your residence and business address in this section. If your past address differs from now then the old address will be shown here. Your permanent address and office address are provided also.
Employment Information:
Employment information is provided in this section. If you are a businessman then it may be shown as a business or self-employed.
Account section:
This is the most important section. Here, all of your past and present account repayment history is available. In this section, you will find the credit institution name and account number where you take the loan. You will find the type of loan, ownership, account open date, payment end date, last reporting date, loan sanction amount, current balance, repayment tenor, and interest rate. You will find the account status here. In this field, you may see written off, settlement, or close information. Suite files also mention in this field. The last 36 months of payment history is shown in this section.
Inquiry section:
You will see your all loan application in different bank and credit institutions here. Moreover, you will find the company name, date of inquiry, the purpose of the loan, and the amount you applied for.
4 Methods of CIBIL error correction:
We find there are four methods of error correction. You can correct your mistake in the CIBIL following one or two methods.
# Method no. 1:
If you buy a credit report from the CIBIL website then you will get membership in CIBIL website to check your report regular basis. Here you have to login first. You will see there is a “ credit report ” in the menu bar. You just click on the credit report. Then you will see the Dispute centre, click on the dispute centre. Then click on dispute an item. Then a page will open, you will see five-section provided there. They are personal information, contact information, employment, and inquiry information.
Click on the section which you want to rectify. Let’s click on the account section. After you will see all the accounts mention serially. Click on the account which you want to rectify. It looks like a from. But most of the field is filled up here.
As per the above image, if this is not your account then you can select the account that does not belong to me. You can change any of the fields. After changing the field submit a dispute.
# Method no 2:
If you have a CIBIL report from any bank or any credit institution then you can follow this method without buying the CIBIL report or subscribe to CIBIL.
Click on this link below-
You will get the above mention from. You just fill-up the form with your all detail which you provide to take the loan from a bank. Here, you should have a control number that you find in your CIBIL report. After filling up the form submit it. After submitting the form you will see all the options to rectify your CIBIL which you saw in the first method.
# Method no 3:
Note – Your CIBIL report correction depends on the bank or credit institution from where you take the loan. If they don’t send the correction report to the CIBIL then CIBIL can’t change your report itself. So, if no correction is made you can make a dispute again. As we saw second-time dispute correction may solve the problem. Till the problem is not solved then you can create grievance in the CIBIL site providing your service request number.
#Method no 4:
You can send a letter to the CIBIL office directly. The address is given below:
TransUnion CIBIL Limited One Indiabulls Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400 013.
4 th method is not tested by us.
Few common errors in CIBIL report:
We came to know all the methods of how we can rectify the mistake in our CIBIL report. The question is what kind of mistake or error available in the CIBIL report.
There are no one or two specified mistakes available in the CIBIL report. There can be a huge mistake available in the report from begging to end of the report.
Although some common errors we have seen in our customer’s CIBIL report. Those errors affected the CIBIL score. Here, the account section error is most important. Check your account status. The customer closes the account but status is showing written off. The customer did settlement but status is showing written off. The customer clears all the dues but it shows overdue in the account. Customer closed account long before but it shows open still now. The customer cleared all dues still it showing delay payment. We provided a few examples here. You need to find out what is your problem reading the CIBIL report carefully.


Credit Repair.
Your Credit Information Report (CIR) plays a large part in the loan application process and hence a lower score can impact your chances for a loan approval. So if you have had a bad credit history and you want your CIBIL score to improve then it is very important to understand the options that you have. Going to a “credit repair” company and paying a large sum of money may not be the best solution. CIBIL is not associated with any credit repair company.
Usually, there are 2 major issues with a CIR:
Inaccurate information reflecting on the CIR Defaults on the payment caused either due to :
Genuine financial hardship Missed payments on credit cards due to relocation internationally/ domestically Missed payments on non-receipt of statement Disputes with the lender on account of charges or annual fees Disputes with the lender on account of fraud.
Before we proceed to suggest a course of action, it is important to understand and go through your credit report in detail.
FOLLOW THE BELOW STEPS:
Buy your CIBIL Score and Credit report. This will cost you only Rs. 550/- and you can have access to the credit report within 3 business days.
2. CHECK CREDIT REPORT.
Follow the below step by step process to understand your report and identify areas to improve on.
Check how many open accounts there are on your report. There are 2 issues you could face:
The account has not been reported “closed” by the lending institution There are open accounts which are not yours.
This can be easily remedied by following CIBIL’s Dispute Resolution Process. Incorrectly stated open accounts overstate your credit exposure.
Check the status of the accounts.
A “written off” or a “settled” account can be viewed negatively by the lender. Check if there is any account which has been tagged incorrectly. If yes, raise a dispute via CIBIL’s Dispute Resolution Process.
Check the payment history of every account.
Go through the Days Past Due section carefully. If you notice anything apart from a “000” or an “XXX” then this can be viewed negatively. If you missed some payments, then ensure you pay your bills/EMIs diligently. Your CIBIL Score will begin to improve. You need to wait at least 6-8 months before you can see a positive impact on your score (provided everything else is continues without an adverse change)
3. INITIATE ACTION.
To understand the remedial action that should be taken in the afore-mentioned situations, let’s take each example and see what the best alternative solution is:
Inaccurate information reflecting on the CIR.
Once you have identified the inaccurate information, initiate the dispute resolution process by clicking here. You should hear back from CIBIL in 30 days. If the respective bank or financial institution re-confirms that the information that was reflecting in your CIR is correct then we will not be in a position to make any changes. It is advisable to get in touch with the concerned Bank directly to expedite the process.
Defaults on the payment caused either due to: Genuine financial hardship.
If for any reason you missed your payments earlier because of a loss of job or other unforeseen circumstances, then it is advisable to pay back the amount to the bank when your financial situation is better. A clean credit history will enable you to enjoy better credit terms in the future.
Missed payments on credit cards due to relocation internationally/ domestically.
When you are relocating, it is not only prudent to transfer bank accounts or close accounts where necessary, but also manage open loans and credit cards. If the EMI payment is linked to a savings account, then ensure that either that account is not closed (and is adequately funded) or the standing instruction for the EMI debit is transferred to another active account. But in the midst of all this, many a times we miss informing the credit card issuer about the relocation in advance which results in missed payments, late payment fees and other service charges which then snowballs in to a large amount. In such a case, the best solution is to repay the full amount because it is your responsibility to ensure that your dues are paid in full.
Missed payments due to non-receipt of statement.
The terms and conditions of most credit card issuers clearly states that the cardholder is obliged to pay the outstanding amount irrespective of the receipt of the statement. Non-payment due to non-receipt of statement may not be considered a valid reason for missing payments (If this has been covered in the cardholder agreement). If you have not paid the outstanding due to this then the late payment fees, service charges etc would be accumulating. The sooner the issue is resolved, the better will it be for your credit history. It is advisable to get in touch with the bank and work out an optimal solution.
Disputes with the lender on account of charges or annual fees.
Before taking up any credit card or loan, one should always go through the terms and conditions thoroughly. One should always enquire about the charges (one time and recurring) such as maintenance charge, fees, issuance charge, processing charge, penalties, interest rates, transfer charges, pre-closure charges etc.
Disputes with the lender on account of fraud on your credit card.
In case of fraudulent transaction, the bank will investigate the matter and depending on the findings a charge back may or may not be issued. Such disputes need to be resolved between you and the Bank so as to ensure your credit history is not/minimally impacted.




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How to correct CIBIL report mistakes in next 30 days – A step by step Guide.
POSTED BY Jagoinvestor ON August 16, 2016 COMMENTS (14)
Today I am going to teach you some step by step process which will help you to correct your wrong CIBIL entries, which will, in turn, improve your CIBIL score. Most of the investors take some of the other kinds of loan and if they are not able to pay the EMI’s on time or default on the loan, their CIBIL report gets messed up and they don’t get further loans in future.
This is because once your credit history becomes bad, then lenders are not very excited to give you loans.
How to correct the CIBIL record?
I recently got a question from Mukesh Kumar, who saw a wrong entry in his CIBIL report. See what he says…
I have an error in my cibil report that I applied for loan in 2009.but it is wrong entry. How can it be corrected.
CIBIL report can contain mistakes either due to the investor’s mistake and their ignorance, but many a time the errors happen because of bank mistakes or manual issues.
Some reasons for mistakes in the Credit report.
The lender did not update the correct remarks with CIBIL The lender updated the wrong remark with CIBIL CIBIL makes mistake in name, address, gender or date of birth while creating the report The mistake happened while generating the CIBIL report There was some fraud using your documents and hence the wrong entries.
4 Step process of correcting the CIBIL mistakes.
Let me help you with the step by step process if you want to fix the errors in your credit report. Here you go ..
Step #1 : Check your CIBIL report.
You will not be able to move ahead unless you properly understand your current situation. So the first step is to apply for your CIBIL report and understand it properly.
Step #2 – Raise a Dispute Resolution with CIBIL.
Once you have understood your report, you should make the list of all the errors and mistakes in the report.
You need to fill up some details and mention the issues in your report which you think should be corrected. Once you do this, your dispute will get recorded and CIBIL will get in touch with the lenders one by one and ask them to relook at the issues if they would like to send a new update (the correct one).
Note that CIBIL will never make any changes in your report themselves. They will only do it once they get a go-ahead from the lender because at the end of the day, your CIBIL report is the collection of all the information CIBIL gets from various lenders.
How online dispute resolution with CIBIL works?
It can take anywhere from few days to 30 days for your dispute resolution to get sorted out. But I suggest waiting for 45 days. If you have questions on this, I suggest you read the FAQ on dispute resolution here.
This dispute resolution can be raised even if you have not bought the report yourself but got it from the lender while applying for some loan.
Now, in this case, it might happen that the lender refuses to correct some information because they think that they are correct and the investor is wrong. In which case the investor should take the 3rd step.
If the dispute resolution works, then the changes will happen in the report. But at times some lenders might disagree to some point and refuse to make the changes.
At this point, CIBIL can’t do much and you will now have to follow-up with the lender yourself.
Let me give you an example.
Suppose there is a guy who checks his credit report and see that one of the loans which he paid off fully, is marked as “WRITTEN OFF”. In this case, he can raise a dispute resolution with CIBIL and let’s say the lender says that the loan was still not paid off and some amount was remaining and with interest and late payment charges, the loan becomes bigger and later they marked it as WRITTEN OFF.
In this case, the guy has to contact the lender himself and then sort things out.
He can ask for all the explanation proofs and loan statements and prove if there was any loan outstanding or not. In this case, it would have helped if the person had taken a NOC once he thought that the loan is complete and paid off.
Meet the manager there or whoever is the in-charge of the CIBIL loans section. If 30 days are over and you are not getting any proper response, it’s the time to raise an online complaint with banking ombudsman. This way you have at least raised one leg of investigation and waged a war against the lender.
To give you an example, see how lender did not update the correct status with CIBIL in this case below.
I have taken loan from fullerton India long back and paid the same. they have also given me NOC. But the same is still not updated in CIBIL records. My financials status is now good and I can pay loan installments regularly. I am good salaried and paying IT also regularly. Can this improve my CIBIL Score and Can I get Loan ?
In case you face any issues, feel free to contact CIBIL team. Here are the CIBIL contact numbers on this link. Call their customer care number and mention your issues, at times this can bring faster results.
Step #4 – Close your Past Dues and Outstanding amounts, if any.
Finally, once you contact the lender, it might happen that there was a genuine mistake from the lender’s end. If they agree, they will update the correct status with CIBIL and your issue will get resolved in 60-90 days. But if not, then mostly the issue is due to some past outstanding amount which did not pay.
Loan Settlements and not paying EMI on time.
In most of the cases I have seen, the issue is some past loan for which 100% outstanding was not paid off by investor and it was settled for a lower amount. For example, support you owe Rs 1 lacs in the loan, but are unable to pay it and you do the settlement for Rs 60,000. Years later then you see a remark on your CIBIL Report which says “SETTLED” or “WRITTEN OFF”. At this point the situation is very bad because most of the investors don’t want to pay this surprising amount just to fix things.
I took Durable loan with Capital-First in Feb 2014 with period of 9 months. I paid first 6 EMI’s on time but the last EMI I didn’t paid, one fine day I got call from Capital-First Legal team and they asked me to clear rest of amount. So I paid remaining amount in single shot using Capital first online portal in Aug 2015. Recently in Feb 2016 I pull CIBIL Report and I found the above account marked as “WRITTEN-OFF” and Raised Dispute with CIBIL, I observed in latest (in May 2016) CIBIL report that the status changed “WRITTEN-OFF” to “POST(W/O) Settled”. I discussed with Capital First Customer care many times. They just gave reply like “you paid amount in stage of WRITTEN-OFF status. so it should be POST(W/O) Settled. it won’t change further” Is that true? and How do I remove that status from My CIBIL?
In this case, it’s very difficult to improve your score, because that bad remark will be there for many years/decades, unless you clear off the loan.
Get in touch with lender.
So if possible try to get in touch with the lender and speak to them about this. Ask them how you can get a “closed” remark for a loan. At times lenders are ready to take a lesser amount and update the entry as “Closed” with CIBIL.
Once you follow all these steps and correct your CIBIL mistakes, your CIBIL score will go up over time.
I hope you got a fair step by step process on correcting the mistakes in the CIBIL report? In case there are any questions, I will be happy to take them in the comments section.


What is a CIBIL Score?
Synopsis.
Abc Small Abc Normal Abc Large.
By Sujata Ahlawat.
In today's day and age, consumers turn to credit cards and loans to help them achieve their dreams and financial goals. The CIBIL Score is one of the important factors and measures in getting this much-needed access to credit.
What is the CIBIL Score, though? And what are the factors that influence it?
Here are answers to some of these commonly-asked questions:
What is a CIBIL Score? A CIBIL Score is a consumer's credit score. Simply put, this is a three-digit numeric summary of a consumer's credit history and a reflection of the person's credit profile. This is based on past credit behavior, such as borrowing and repayment habits as shared by banks and lenders with CIBIL on a regular basis (the details of which are featured in the consumer's CIBIL Report).
The Score is based on details found in the 'Accounts' and 'Enquiries' sections of the CIBIL Report, including (but not restricted to) loan accounts or credit cards, payment statuses, outstanding amounts and days past the due date. Ranging from 300 to 900, the closer a CIBIL Score is to 900, the higher are the chances of the consumer's credit card or loan application getting approved.
A person's past behavior is taken as an indicator of his/her future actions, and, in line with that, the CIBIL Score showcases a consumer's credit-worthiness. For example, when a person applies for a credit card or loan, one of the important factors that lenders check is the credit profile of the person as depicted by the CIBIL Score.
TransUnion CIBIL (formerly Credit Information Bureau (India) Limited) is India's leading credit information company with one of the largest collections of consumer information. It was established in 2000. What is a CIBIL Report? A CIBIL Report is a consolidated credit report that includes the consumer's CIBIL Score and credit summary, personal information, contact information, employment information, and loan account information. It is important to note that lenders consider both the CIBIL Score and Report to assess a person's loan eligibility. What are the factors that impact a CIBIL Score? The CIBIL Score is generated by a scoring algorithm, which takes into account a large number of data points and macro-level credit trends. It is based on 36 months of credit history. Primarily, there are four key factors that impact a consumer's CIBIL Score - payment history, credit mix of secured or unsecured loans, enquiries and credit utilisation. However, the latest CIBIL Score algorithm also includes the depth of credit (that is, the duration of your existing credit history from when your oldest credit account was opened), long term trend of outstanding balances, transaction history on credit cards, ratio of actual repayment amount to total amount due and new accounts opened/accounts closed. How can you work towards a positive credit profile? Your CIBIL Score is built on your credit history and past payments but will impact your future access to credit. What you do today can help you build a stronger and healthier credit profile. Here's how:
* Always pay your dues on time as lenders view late payments negatively. *Keep your balances low, do not use too much credit, and control your utilisation. And apply for new credit in moderation. *Maintain a healthy credit mix of secured (like home loan and auto loan) and unsecured loans (like personal loan and credit cards) - too many unsecured loans may be viewed negatively. *Monitor your co-signed, guaranteed and joint accounts monthly. Remember that you are held equally liable for missed payments in co-signed, guaranteed or jointly held accounts, and your joint holder's (or the guaranteed individual's) negligence could affect your ability to access credit when you need it. *Review your credit history frequently throughout the year. Monitor your CIBIL Score and Report regularly to avoid unpleasant surprises (like a rejected loan application). Checking your report regularly will also alert you to possible inaccuracies, if any. In case you spot any discrepancy, you can log a dispute on the CIBIL website or request the lender to report the correction to CIBIL. A positive credit profile can make you a good bet for the lender and pave the way for access to credit. Remember to monitor your credit profile regularly to ensure you are credit-conscious and loan-ready when you need it the most.
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Which is correct cibil score.
There are different types of errors in the CIBIL report as we have seen our customer’s report. Usually, there are two major issues with the customer’s credit information report.
Default on the payment. Inaccurate information reflecting on the customer information report.
The first problem is made by the customer. CIBIL score goes down due to irregular payment. The customer’s bad credit habit makes CIBIL score very poor. We have detail information in our previous article. Please click on the below link to know more.
Some reasons for the mistake in the CIBIL report:
Bank or credit institution sends wrong information to the CIBIL. Bank or credit institutions did not send a report to the CIBIL. Data mixing – Some time two customer data mixed up due to the same name or few major data similarities. Forgery- Someone may put your documents to the credit institution and make fraud to get the loan.
CIBIL Error Correction – Step by step process:
Buy CIBIL report:
At first, you have to buy a CIBIL report. Most of the people taking a free report from the different online portal. That is not recommended. Because some of the companies misuse your data. They apply for a loan here and there without informing you which decreases your CIBIL score. Even excessive application down your App score. Which reduces your loan getting probability?
Buy CIBIL report visiting CIBIL’s website directly.
The link is provided below.
There are three options for subscription. They are Rs.550 for one month, Rs.800 for 6 months, and Rs.1200 for one year. We will recommend buying 6 months report. Because it takes 30 days to 45 days generally to correct the CIBIL report. In some cases, it takes more than two months. It won’t take more than six months to correct all your error normally. Buying a six-month report you can take unlimited reports from the CIBIL site. You can check your report from CIBIL frequently, this will not affect your CIBIL score.
Check the CIBIL report carefully:
If you are unable to read the CIBIL report and understand you can’t find out the error or mistakes in your report. Accordingly, you can’t rectify the problem.
As we saw, few bank managers can’t read the CIBIL report correctly. So read the contain till the end carefully.
There are five sections in the consumer CIBIL report.
I nformation related to name and identification:
In this section, you will see your name, Date of Birth, Gender, PAN card number, voter card number, Aadhaar number, and Passport number.
In this section, you will find out your past and present mobile number which you provided to the bank at the time of the taken loan.
Next, you will find your residence and business address in this section. If your past address differs from now then the old address will be shown here. Your permanent address and office address are provided also.
Employment Information:
Employment information is provided in this section. If you are a businessman then it may be shown as a business or self-employed.
Account section:
This is the most important section. Here, all of your past and present account repayment history is available. In this section, you will find the credit institution name and account number where you take the loan. You will find the type of loan, ownership, account open date, payment end date, last reporting date, loan sanction amount, current balance, repayment tenor, and interest rate. You will find the account status here. In this field, you may see written off, settlement, or close information. Suite files also mention in this field. The last 36 months of payment history is shown in this section.
Inquiry section:
You will see your all loan application in different bank and credit institutions here. Moreover, you will find the company name, date of inquiry, the purpose of the loan, and the amount you applied for.
4 Methods of CIBIL error correction:
We find there are four methods of error correction. You can correct your mistake in the CIBIL following one or two methods.
# Method no. 1:
If you buy a credit report from the CIBIL website then you will get membership in CIBIL website to check your report regular basis. Here you have to login first. You will see there is a “ credit report ” in the menu bar. You just click on the credit report. Then you will see the Dispute centre, click on the dispute centre. Then click on dispute an item. Then a page will open, you will see five-section provided there. They are personal information, contact information, employment, and inquiry information.
Click on the section which you want to rectify. Let’s click on the account section. After you will see all the accounts mention serially. Click on the account which you want to rectify. It looks like a from. But most of the field is filled up here.
As per the above image, if this is not your account then you can select the account that does not belong to me. You can change any of the fields. After changing the field submit a dispute.
# Method no 2:
If you have a CIBIL report from any bank or any credit institution then you can follow this method without buying the CIBIL report or subscribe to CIBIL.
Click on this link below-
You will get the above mention from. You just fill-up the form with your all detail which you provide to take the loan from a bank. Here, you should have a control number that you find in your CIBIL report. After filling up the form submit it. After submitting the form you will see all the options to rectify your CIBIL which you saw in the first method.
# Method no 3:
Note – Your CIBIL report correction depends on the bank or credit institution from where you take the loan. If they don’t send the correction report to the CIBIL then CIBIL can’t change your report itself. So, if no correction is made you can make a dispute again. As we saw second-time dispute correction may solve the problem. Till the problem is not solved then you can create grievance in the CIBIL site providing your service request number.
#Method no 4:
You can send a letter to the CIBIL office directly. The address is given below:
TransUnion CIBIL Limited One Indiabulls Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400 013.
4 th method is not tested by us.
Few common errors in CIBIL report:
We came to know all the methods of how we can rectify the mistake in our CIBIL report. The question is what kind of mistake or error available in the CIBIL report.
There are no one or two specified mistakes available in the CIBIL report. There can be a huge mistake available in the report from begging to end of the report.
Although some common errors we have seen in our customer’s CIBIL report. Those errors affected the CIBIL score. Here, the account section error is most important. Check your account status. The customer closes the account but status is showing written off. The customer did settlement but status is showing written off. The customer clears all the dues but it shows overdue in the account. Customer closed account long before but it shows open still now. The customer cleared all dues still it showing delay payment. We provided a few examples here. You need to find out what is your problem reading the CIBIL report carefully.


Credit Repair.
Your Credit Information Report (CIR) plays a large part in the loan application process and hence a lower score can impact your chances for a loan approval. So if you have had a bad credit history and you want your CIBIL score to improve then it is very important to understand the options that you have. Going to a “credit repair” company and paying a large sum of money may not be the best solution. CIBIL is not associated with any credit repair company.
Usually, there are 2 major issues with a CIR:
Inaccurate information reflecting on the CIR Defaults on the payment caused either due to :
Genuine financial hardship Missed payments on credit cards due to relocation internationally/ domestically Missed payments on non-receipt of statement Disputes with the lender on account of charges or annual fees Disputes with the lender on account of fraud.
Before we proceed to suggest a course of action, it is important to understand and go through your credit report in detail.
FOLLOW THE BELOW STEPS:
Buy your CIBIL Score and Credit report. This will cost you only Rs. 550/- and you can have access to the credit report within 3 business days.
2. CHECK CREDIT REPORT.
Follow the below step by step process to understand your report and identify areas to improve on.
Check how many open accounts there are on your report. There are 2 issues you could face:
The account has not been reported “closed” by the lending institution There are open accounts which are not yours.
This can be easily remedied by following CIBIL’s Dispute Resolution Process. Incorrectly stated open accounts overstate your credit exposure.
Check the status of the accounts.
A “written off” or a “settled” account can be viewed negatively by the lender. Check if there is any account which has been tagged incorrectly. If yes, raise a dispute via CIBIL’s Dispute Resolution Process.
Check the payment history of every account.
Go through the Days Past Due section carefully. If you notice anything apart from a “000” or an “XXX” then this can be viewed negatively. If you missed some payments, then ensure you pay your bills/EMIs diligently. Your CIBIL Score will begin to improve. You need to wait at least 6-8 months before you can see a positive impact on your score (provided everything else is continues without an adverse change)
3. INITIATE ACTION.
To understand the remedial action that should be taken in the afore-mentioned situations, let’s take each example and see what the best alternative solution is:
Inaccurate information reflecting on the CIR.
Once you have identified the inaccurate information, initiate the dispute resolution process by clicking here. You should hear back from CIBIL in 30 days. If the respective bank or financial institution re-confirms that the information that was reflecting in your CIR is correct then we will not be in a position to make any changes. It is advisable to get in touch with the concerned Bank directly to expedite the process.
Defaults on the payment caused either due to: Genuine financial hardship.
If for any reason you missed your payments earlier because of a loss of job or other unforeseen circumstances, then it is advisable to pay back the amount to the bank when your financial situation is better. A clean credit history will enable you to enjoy better credit terms in the future.
Missed payments on credit cards due to relocation internationally/ domestically.
When you are relocating, it is not only prudent to transfer bank accounts or close accounts where necessary, but also manage open loans and credit cards. If the EMI payment is linked to a savings account, then ensure that either that account is not closed (and is adequately funded) or the standing instruction for the EMI debit is transferred to another active account. But in the midst of all this, many a times we miss informing the credit card issuer about the relocation in advance which results in missed payments, late payment fees and other service charges which then snowballs in to a large amount. In such a case, the best solution is to repay the full amount because it is your responsibility to ensure that your dues are paid in full.
Missed payments due to non-receipt of statement.
The terms and conditions of most credit card issuers clearly states that the cardholder is obliged to pay the outstanding amount irrespective of the receipt of the statement. Non-payment due to non-receipt of statement may not be considered a valid reason for missing payments (If this has been covered in the cardholder agreement). If you have not paid the outstanding due to this then the late payment fees, service charges etc would be accumulating. The sooner the issue is resolved, the better will it be for your credit history. It is advisable to get in touch with the bank and work out an optimal solution.
Disputes with the lender on account of charges or annual fees.
Before taking up any credit card or loan, one should always go through the terms and conditions thoroughly. One should always enquire about the charges (one time and recurring) such as maintenance charge, fees, issuance charge, processing charge, penalties, interest rates, transfer charges, pre-closure charges etc.
Disputes with the lender on account of fraud on your credit card.
In case of fraudulent transaction, the bank will investigate the matter and depending on the findings a charge back may or may not be issued. Such disputes need to be resolved between you and the Bank so as to ensure your credit history is not/minimally impacted.




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