Money & banking
My credit score or CIBIL report is wrong
Most errors come from the lender's reporting. Correction needs the right proof sent to the right place.
Answer a few questions and get your list →What the law says
Credit information companies and lenders must correct errors within set timelines, and RBI rules provide ₹100 per day compensation for delay beyond 30 days.
General information, not legal advice.
Papers that usually help
- Your latest credit report (all pages)
Shows exactly what is reported. - No-dues / closure letter for the loan or card
Main proof for wrong active or overdue status. - Statements showing EMIs paid on time
Answers wrong late-payment entries. - Settlement letter and payment proof
Shows whether "settled" is correct. - ID and PAN copies, and a police/cyber complaint if someone used your identity
Identity misuse needs a formal complaint. - Dispute reference numbers and replies
Starts the 30-day clock. - Raise an online dispute with the credit bureau and the lender
Required first step.
Questions Saboot will ask you
- What is wrong in the report?
- Have you raised a dispute?
- How long ago was the dispute raised?
Sources
Common situations
- CIBIL shows a loan I never took
- Closed loan still shows active in CIBIL
- Settled loan is hurting my credit score
- CIBIL shows late payments I never made
- My name or PAN is wrong in my credit report
- Loan rejected because of a wrong credit report
- Disputed with the credit bureau but nothing changed in 30 days
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