How to Raise a CIBIL Dispute and Fix Credit Report Errors

CIBIL score is a key factor that lenders consider when deciding whether to approve your loan or credit card application. But what if your score is being pulled down by an error in your credit report? In such cases, it’s essential to raise a CIBIL dispute to correct the information and maintain your creditworthiness.

🔍 What is a CIBIL Dispute?

A CIBIL dispute is a formal process to report and correct errors in your credit report generated by TransUnion CIBIL, India’s leading credit bureau. Errors can range from incorrect personal details to wrong loan account statuses or duplicate entries. Even a small mistake can significantly impact your credit score. 

⚠️ Common Errors That May Require a CIBIL Dispute

• Incorrect name, PAN, or date of birth

• Wrong loan status (e.g., marked “Written-Off” despite regular payments)

• Duplicate loan entries

• Incorrect overdue amount or outstanding balance

• Loans or credit cards not associated with you

• Outdated account information

🛠️ How to Raise a CIBIL Dispute – Step-by-Step

Step 1: Get Your CIBIL Report

Visit www.cibil.com and login to your account. If you don’t have an account, you can create one and get your free credit report once a year.

Step 2: Review the Report Carefully

To View your credit report you have to take Paid subscription of CIBIL (One Time Free Access to CIBIL Report Every Year is available to all users)

Check for inaccuracies in both personal and account-related information. Make a list of errors you wish to dispute.

Step 3: Initiate a Dispute Online

• Go to the ‘Dispute Center’ on the CIBIL website.

• Click on ‘Dispute an Item’.

• Select the specific section (Personal, Account, or Duplicate).

• Fill in the correct information and submit your dispute.

Step 4: Submit and Track Your Dispute

Once submitted, you’ll receive a Dispute ID to track the status. CIBIL will then contact the respective lender or financial institution to verify your claim.

Step 5: Wait for the Resolution

• Most disputes are resolved within 30 days.

• You’ll be notified via email once the update is done.

• After resolution, download the updated credit report and verify the changes.

⏳ How Long Does the CIBIL Dispute Process Take?

Typically, the resolution time is within 30 days, depending on how quickly the lender responds to CIBIL's query. Sometimes, the lender might reject your dispute if they believe the information is accurate, so it's good to keep records and proof ready (like bank statements or payment confirmations).

📝 Pro Tips from Dhan Shiksha

• Always check your credit report at least once a year.

• Keep records of your loan EMIs and credit card payments.

• Avoid raising multiple disputes at the same time for the same issue.

• If a lender rejects your dispute unfairly, you can escalate the issue through RBI’s ombudsman.

✅ Final Thoughts

Maintaining a healthy credit score is essential for financial freedom. Errors in your CIBIL report can hurt your chances of getting loans or credit cards. But the good news is—you have the power to correct those mistakes. Use this guide to raise your CIBIL dispute effectively and safeguard your financial credibility.

Stay smart. Stay wealthy. Keep learning with Dhan Shiksha.