Empowering Your Credit Journey: A Guide on Raising and Resolving Your CIBIL Dispute

Your CIBIL score plays a pivotal role in shaping your financial life. It determines your creditworthiness and influences your ability to secure loans and credit cards on favorable terms. However, errors or inaccuracies in your credit report can negatively impact your credit score and financial opportunities. In such cases, you can raise a CIBIL dispute to get any errors corrected.  We are here to guide you through the step-by-step process of raising and resolving a CIBIL dispute, empowering you to take charge of your credit journey.

Step 1: Obtain Your Credit Report

To identify and address any discrepancies, start by obtaining a copy of your credit report from the Credit Information Bureau (India) Limited (CIBIL) or other credit bureaus like Equifax, Experian, or CRIF High Mark. You are entitled to one free credit report annually. You can check your credit score for free using platforms like Finnable

Step 2: Review Your Credit Report Thoroughly

Carefully review your credit report for any errors, such as incorrect personal information, inaccurate account details, or unauthorized credit inquiries. Pay attention to outstanding debts, missed payments, or loans that you have already repaid but are still reflecting negatively on your report.

Step 3: Identify the Discrepancies

Make a list of all the discrepancies you’ve identified in your credit report. Note down the account details, dates, and any relevant supporting documents that can validate your claim.

Step 4: Raise a Dispute with the Credit Bureau

  • Log in to ‘My CIBIL’ with your details. 
  • Go to ‘Dispute Center’ under the ‘Credit Reports’ section and select ‘Dispute an Item’.
  • Select the relevant account and the field(s) that you want to dispute.
  • Provide the reason for the dispute and upload supporting documents, if any.
  • Review the dispute summary and submit the dispute.

To strengthen your case during the dispute process, submit all necessary supporting documents, such as loan repayment receipts, settlement letters, or communication with lenders regarding account closures or corrections.

Step 6: Credit Bureau Investigation

After receiving and reviewing your dispute filed, CIBIL will investigate the dispute and update your credit report accordingly. The dispute will then be transferred to the respective financial institution/bank based on the category or type. The financial institution/bank will review the dispute and either accept or reject it. If the dispute is accepted, the financial institution/bank will update the information with CIBIL.

Step 7: Wait for Resolution

The credit bureau will typically resolve the dispute within 30 days of receiving it. If the discrepancy is found to be incorrect, the bureau will update your credit report accordingly.

Step 8: Check the Updated Credit Report

After the resolution, obtain an updated copy of your credit report to ensure that the corrections have been made as per your dispute.

Tips to Successfully Resolve CIBIL Disputes

To ensure that your CIBIL report discrepancy is solved at the earliest without any unnecessary hindrances, take the following needful actions:

1. Be Diligent: Regularly review your credit report to promptly detect any errors or discrepancies.

2. Act Promptly: As soon as you identify a discrepancy, raise the dispute with the credit bureau promptly to initiate the resolution process.

3. Provide Evidence: Back your dispute with strong supporting documents to increase the chances of a favorable resolution.

4. Follow Up: If the resolution is delayed, follow up with the credit bureau for updates on the dispute status.

5. Maintain Records: Keep a record of all communication and documents related to the dispute for future reference.

Frequently Asked Questions

A CIBIL dispute is a process by which you can raise a complaint with CIBIL if you find errors or discrepancies in your credit report. It allows you to request corrections and ensure the accuracy of your credit information.

To raise a CIBIL dispute, visit the official CIBIL website or other trusted platforms. Log in to your account, navigate to the dispute center, select the item you want to dispute, provide the reason, and upload supporting documents if necessary. Submit the dispute for CIBIL to investigate.

The time taken to resolve a CIBIL dispute can vary depending on the complexity of the issue and the response time of the financial institution involved. Generally, it may take up to 30 days for CIBIL to investigate and update your credit report accordingly.

You can dispute errors such as incorrect personal information, inaccurate account details, unauthorized inquiries, duplicate entries, or any other discrepancies that you find in your credit report. It is important to provide supporting documents to substantiate your claim.

Amit Arora


I am a seasoned retail banker with over 21 years of global experience across business, risk and digital. In my last assignment as Global Head Digital Capabilities, I drove the largest change initiative in the bank to deliver the end-to-end digital program with over US$1 billion in planned investment. Prior to that, as COO for Group Retail Products & Digital, I implemented a risk management framework for retail banking across the group.
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