What
Should One Do, if there is a Mistake in the CIBIL Report
Typically,
one checks credit report when one's loan gets rejected and the loan
provider tells that it is because of some information on credit
report. Mistakes on a credit report can be easily corrected
with the CIBIL’s help. All you need to do is:
a)
Purchase your CIBIL credit report
b)
Identify the erroneous information
c) Provide
name, address, date of birth, a Control Number and the nature of the error on
the credit bureau’s website.
The
Control Number is a unique 9-digit number found on the top right hand side of
your CIBIL Credit Information Report and is generated every time
a credit report is generated. It is very important to provide this
number to the bureau, as it helps identify the CIBIL credit report on
which you would like to ‘dispute’ information.
Normally
following types of errors are found in ones CIBIL Report & which can be
easily corrected from by taking up the matter with CIBIL
Personal information’s such
as Name, Date of Birth Gender, Income Tax ID, Passport Number, Voter's ID, Telephone
Numbers, Address, State, PIN
Account Details (Loan/Credit Card) Account/
Loan Type, Account Status, Ownership Type, Date of Last Payment, Date Opened, Date
Closed, Sanctioned Amount/ High Credit, Current Balance, Amount Overdue, DPD/
Asset Classification
Ownership some accounts showing
in your CIBIL report may not pertain to you & you can raise an objection on
ownership of the same.
Duplicate Accounts a
loan/credit card may be showing twice/thrice in your CIBIL
If you
find any of the above error in your CIBIL report then follow the link & get
it corrected from CIBIL within a period of 30 days.
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