CIBIL Dispute: How to Raise a Credit Score Dispute and check the Status?

By raising a CIBIL dispute, you can rectify errors in your credit report. An error-free report is crucial because your credit report defines your credit score, which reflects your creditworthiness. So, any inaccuracies can harm your CIBIL score. 

Some of the errors that you may see include spelling mistakes or incorrect personal information, incorrect loan accounts or repayments not reflected. Thankfully, you can easily initiate the CIBIL dispute resolution process to rectify these inaccuracies. 

Read on to learn how to raise a CIBIL dispute, check its status, the resolution process and more.  

What is a CIBIL Dispute?

In case you notice any errors in your credit report, you can raise the issue with the bureau, which will then notify the concerned financial institution. When you carry out this process for any errors in your credit report from TransUnion CIBIL, it is known as a CIBIL dispute. 

Types of CIBIL Disputes

You can raise a CIBIL dispute for different types of errors, depending on your account type. For a personal account, you can raise individual disputes for the following inaccuracies: 

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Incorrect Personal Information

You can raise a dispute for corrections in your recorded personal details. These include name, date of birth, PAN card number, address, phone number, income, employment information and more. 

You can also raise a dispute with CIBIL if you see any accounts or details that don’t belong to you.

Inaccurate Account Details

Sometimes, financial institutions may give incorrect or late updates on the repayment, which can lead to incorrect balances and overdue amounts. So, you can raise a dispute to request an update.

You can also raise a dispute if you see an enquiry for a credit that you didn’t apply for. 

Ownership or Duplicate Account

If any loan or credit card account shown in your report does not belong to you, you can raise a dispute. Additionally, if any credit account reflects more than once, you can also raise a dispute for the same. 

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How to Raise Disputes With CIBIL

To raise a CIBIL dispute online, follow these steps: 

• Step 1: Go to the myCIBIL portal and login with your credentials 
• Step 2: Refresh your score if you haven’t already checked the latest one
• Step 3: Select ‘Dispute Centre’ under the ‘Credit Reports’ tab
• Step 4: Fill out the dispute form and choose the details you wish to dispute 
• Step 6: Click on ‘Submit’

Once you submit the form, you will get a dispute ID that you can use to track the status. 

If you want to raise a dispute offline, write about the issue to TransUnion CIBIL and send the letter to the following address: 

TransUnion CIBIL Limited, One World Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400 013

CIBIL Dispute Resolution Process 

The CIBIL dispute resolution process begins as soon as you submit the dispute form. Once you raise the dispute, CIBIL initiates an investigation to identify the concerned financial institution. The bureau then relays the issue to the institution, which can accept or reject your dispute. 

If accepted, the financial institution will make changes to remove the errors. In case of rejection, there will be no change or correction made. During the resolution process, the fields under which you raise the dispute will be marked as ‘under dispute’ until the issue is resolved. 

How to Check CIBIL Dispute Status

The dispute resolution process can take up to 30 days, depending on several factors. While you will receive a CIBIL dispute status update every 7 days, you can also find out the status by logging into your CIBIL account.

To check your CIBIL dispute status through your account, log in to your myCIBIL portal and go to the ‘Dispute Status’ tab. Alternatively, you can call the consumer helpline number, +91 – 22 – 6140 4300, to get your CIBIL dispute status update. 

Note that most financial institutions submit the required data to the bureau within 30-45 days after you’ve made the payment. As such, you must wait at least a month before checking your report. However, if there is no update on your account after 2 months, then you can raise a dispute. 

Since the dispute resolution process can take up to 30 days, regularly checking your score and report is a great way to stay on top of your credit health. This allows you to stay updated on your eligibility and take swift action when needed. 

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FAQs on CIBIL Dispute

How does CIBIL dispute work?

When you find any error in your CIBIl report, you can raise a dispute by logging in to your myCIBIL account. Once you submit the dispute, the bureau will relay the same to the concerned financial institution, which will accept or reject your dispute. If accepted, the necessary changes will be made. Note that the entire process can take up to 30 days.

How can I check my CIBIL dispute resolution status?

If you have raised a dispute for a correction in your CIBIL report, then you can check the dispute status by logging into your myCIBIL account and going to the ‘Dispute Status’ tab. You can also call the consumer helpline at +91 – 22 – 6140 4300 to check the status. 

Do credit disputes hurt your score?

No, simply submitting a CIBIL dispute does not impact your score. However, if there are any corrections related to your account details, you can see an improvement in your score.