Your credit report is a vital document that reflects your financial credibility. Even a small error can lower your credit score and affect your ability to get loans or credit cards. Fortunately, disputing an incorrect credit report entry in India is a straightforward process if you know the right steps.
1. Check Your Credit Report Regularly
Regular monitoring of your CIBIL, Experian, or Equifax report helps you catch errors early. Look for:
Wrong personal details (name, address, date of birth)
Accounts that don’t belong to you
Incorrect late payment or default entries
Duplicate accounts or outdated information
Regular checks prevent mistakes from damaging your credit score in the long term.
2. Gather Supporting Documentation
Before filing a dispute, collect proof to support your claim. This could include:
Bank statements
Loan statements
Payment receipts
Identity documents
Proper documentation strengthens your dispute and speeds up resolution.
3. File a Dispute With the Credit Bureau
All major credit bureaus in India provide online and offline dispute channels:
Online:
Log in to your credit bureau account
Locate the disputed entry
Submit supporting documents and reason for dispute
Offline:
Download the dispute form from the bureau’s website
Attach photocopies of supporting documents
Mail it to the credit bureau’s address
Credit Bureaus in India:
CIBIL: www.cibil.com
Experian: www.experian.in
Equifax: www.equifax.co.in
CRIF High Mark: www.crifhighmark.com
4. Await Investigation
The bureau usually investigates within 30 days. During this period:
They will contact the lender or institution that reported the entry.
The lender must verify the accuracy of the data.
You may be contacted for additional information if needed.
5. Review the Outcome
After the investigation:
If the dispute is valid, the incorrect entry is updated or removed.
If the dispute is rejected, the bureau will provide an explanation.
You can escalate unresolved disputes to the ombudsman or RBI if necessary.
6. Tips for Faster Resolution
Keep copies of all documents and communications.
Follow up regularly with the credit bureau.
Use the dispute reference number for tracking.
Maintain patience, as the process can take 2–4 weeks.
Conclusion
Disputing an incorrect credit report entry is essential to maintain a healthy credit score and secure better loans in the future. By checking your report regularly, gathering documentation, and following proper procedures, you can ensure your financial record is accurate and trustworthy.
❓ FAQs
Q1: How long does it take to correct a credit report?
Typically, disputes are resolved within 30–45 days, depending on the bureau and lender response.
Q2: Will filing a dispute affect my credit score?
No, filing a dispute does not negatively impact your credit score.
Q3: Can I dispute multiple errors at once?
Yes, you can dispute multiple incorrect entries in a single request.
Q4: What if the credit bureau rejects my dispute?
You can escalate the issue to the credit bureau’s grievance cell or RBI if you have valid evidence.
Q5: How often should I check my credit report?
It’s recommended to check at least once a year or before applying for a loan.
Published on : 10th October
Published by : SMITA
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