How to Raise a Dispute in CIBIL

Fix errors in your credit report quickly with this easy step-by-step guide!

Why Check Your CIBIL Report?

Your CIBIL report impacts your loan approvals and interest rates. Errors can hurt your credit score, so it’s important to review it regularly.

Common Errors in CIBIL Reports

– Incorrect personal details – Duplicate accounts – Wrong loan status (e.g., showing unpaid even after repayment) – Incorrect balance or overdue amounts

Step 1 - Visit the Official CIBIL Website

Go to https://www.cibil.com and log in to your account. Don’t have one? Create a free account to access your report.

Step 2 - Access Credit Report

After logging in, go to "Credit Reports" and view your latest CIBIL report. Review all sections carefully to identify any errors.

Step 3 - Raise a Dispute

Click on “Dispute Center” and select “Dispute an Item.” Choose the incorrect information, explain the issue, and submit the form.

What Happens Next?

CIBIL will contact the concerned lender. The lender has 30 days to verify and respond. You’ll be notified once the dispute is resolved.

Tips to Speed Up the Process

Attach supporting documents Be clear and concise in your explanation Regularly follow up through the CIBIL portal

Factors Affecting Your CIBIL Score

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Loan settlement and effects on credit score