CRIF High Mark Score and Common Errors Solution

Updated on: 17 Oct 2024

You can access your CRIF High Mark free credit report to ensure details of your credit history are accurate. This assures smooth access to credit cards and other forms of credit. Inaccuracies and errors in your credit report can hinder this process. These include:

Incorrect personal information
Errors in Account
Identity theft

It is best practice to check your credit report occasionally to find errors, if any and take the required steps to fix them. To understand whether you have an error or not, you will have to follow these steps:

Obtain a copy of your credit report
Review it
Gather supporting documents to comprehend whether there is any inaccuracy

How to Correct Errors in Your Credit Report

After you find an error, take steps to fix it with CRIF High Mark. Get your free CRIF High Mark credit report and follow these steps to raise a dispute with CRIF High Mark:

Step 1: Log in to the official CRIF High Mark portal
Step 2: Share your details on the login page to locate your account linked in the CRIF report
Step 3: Select the ‘My Report’ option and click on the ‘Raise a Query’ tab
Step 4: Select the dispute category that best describes your issue
Step 5: Enter the details of your query or correction required
Step 6: Click on the ‘SUBMIT’ button

Once you raise your CRIF High Mark dispute you will receive an acknowledgement from CRIF. Then, CRIF will contact the concerned lender. The course of action will vary depending on whether the lender accepts the dispute or rejects it.

Upon acceptance by the lender, CRIF will make the changes and notify you. On rejection too, you will be notified. If you are unsatisfied, you can escalate your concern.

Also Read: How to Increase CRIF Credit Score?

Vital Things to Remember When Filing a Dispute with CRIF High Mark

Filing a dispute is a crucial step towards protecting your financial standing. However, the process requires careful attention to detail to ensure a successful outcome.

Please mention your CRIF High Mark Reference Number or Report ID, available in the top right corner of your report
The subject line should be your CRIF High Mark Reference Number
Share details of your CRIF Account (S. No.) along with your contact information and the disputed account information
If there’s an actual error, only then it will be treated as a Complaint or Grievance
The rest of the raised dispute will be labelled as Requests or Queries

Upon receipt of your correspondence from the bureau, you will receive a Ticket Number.

Common Errors in Your Credit Report

Here’s a list of commonly faced errors you can easily resolve with this process.

Inappropriate Current Balance: Sometimes, the report reflects inaccurate payment instalments
Inexact Personal Credentials: Check the spelling of your name, address, DOB and PAN
Wrong Account Number: Verify your account number if you have multiple accounts

Also Read: How Cibil Score Is Calculated

Tips to Address Errors

Inaccurate information can have significant consequences on your financial health. Fortunately, there are steps you can take to identify and correct these errors.

Check if your balance is updated properly and it is also reflected in your CRIF High Mark score
Always double-check your name, address, date of birth and PAN number
Confirm if there’s an outstanding loan and if it is mentioned in your CRIF High Mark complaint, too

The idea is to maintain a healthy credit profile and addressing an error is a part of it. It is your job to ensure that lenders receive accurate information about you so that your applications for credit have the best chance for approval.

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FAQs on How to Correct Errors in CRIF High Mark Credit Report

Why is it important to correct errors on the CRIF High Mark credit report?

Making corrections to the CRIF free credit report will help you with the following:

A better credit score
Better chances to get a loan
Prevent any identity theft
Avoid any financial crisis

And above all, you have peace of mind that you are doing well financially.

What steps should I take if I discover mistakes in my CRIF credit report?

Address the problem with the CRIF High Mark by following these steps:

Log in to the official CRIF High Mark portal
Share your details on the login page
Click the ‘Raise a Query’ tab and select a dispute category to describe your issue
Enter your query or the required correction
Click the ‘SUBMIT’ button and wait for a revert

What kinds of errors can be fixed on a CRIF credit report?

The CRIF score check may have errors in personal and account information as well as credit limit. You can fix these issues by raising a dispute with CRIF High Mark.