🚨 Successfully Removed Wrong CIBIL Entry
Check Credit Report Periodically For Safety
You Can Also Get Free CIBIL Report (Officially)
Here's How You Can Dispute CIBIL Enquiry 🧵
Check Credit Report Periodically For Safety
You Can Also Get Free CIBIL Report (Officially)
Here's How You Can Dispute CIBIL Enquiry 🧵
Visit the Official CIBIL Website Here -
As per the RBI guidelines, every credit bureau is required to provide one free credit score refresh every year to individuals myscore.cibil.com/CreditView/log…
As per the RBI guidelines, every credit bureau is required to provide one free credit score refresh every year to individuals myscore.cibil.com/CreditView/log…
Post successful sign-up/login
You can refresh to get the latest data, including Credit Score, Enquiry, Personal Information section, etc
You can refresh to get the latest data, including Credit Score, Enquiry, Personal Information section, etc
This is how the 'Enquiry Information' section looks.
Good To Know: Every time you apply for any kind of loan or credit card, the financial institution (eg, Bank) makes a hard inquiry against your PAN that gets reported to credit bureaus.
Good To Know: Every time you apply for any kind of loan or credit card, the financial institution (eg, Bank) makes a hard inquiry against your PAN that gets reported to credit bureaus.
Many times, agents and banks conduct enquiries without the explicit consent of the customers.
Note that hard enquiries affect your credit score negatively, so it's important to review your credit report once a quarter and dispute any account or enquiry you don't recognise.
Note that hard enquiries affect your credit score negatively, so it's important to review your credit report once a quarter and dispute any account or enquiry you don't recognise.
How To Dispute Such Enquiries?
Official Link :
Access Dispute Form > Credit Application History > I have not applied for these loans / credit cards > Find Solution > Raise a Dispute myscore.cibil.com/CreditView/dis…
Official Link :
Access Dispute Form > Credit Application History > I have not applied for these loans / credit cards > Find Solution > Raise a Dispute myscore.cibil.com/CreditView/dis…
Select the wrong enquiry/information and proceed
You also need to submit bank account details here
Why? Because, Banks need to pay customers a compensation of ₹100 per day if a complaint about a credit information dispute is not resolved within 30 days of filing
You also need to submit bank account details here
Why? Because, Banks need to pay customers a compensation of ₹100 per day if a complaint about a credit information dispute is not resolved within 30 days of filing
I had one such enquiry from a well-known bank that I never consented to, escalated the same on Oct 1 and it was resolved by October 8, 2025
The same entry was removed from my credit report.
The same entry was removed from my credit report.
In case your issue is still not resolved even after the dispute
You can raise the same with the Nodal Officer / Principal Nodal Officer of your concerned bank
Find the details here - cibil.com/nodal-officer-…
Still not helpful? Raise with RBI Ombudsman - cms.rbi.org.in/cms/indexpage.…
You can raise the same with the Nodal Officer / Principal Nodal Officer of your concerned bank
Find the details here - cibil.com/nodal-officer-…
Still not helpful? Raise with RBI Ombudsman - cms.rbi.org.in/cms/indexpage.…
Disc: No promotional content, only for educational purpose
And that's all for today. I hope you enjoyed reading and discovered something helpful. Follow @Ravisutanjani for more such informational posts
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And that's all for today. I hope you enjoyed reading and discovered something helpful. Follow @Ravisutanjani for more such informational posts
Subscribe on WhatsApp for spam-free useful updates: whatsapp.com/channel/0029Va…
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