How to Fix Your CRIF High Mark Credit Report Errors Online

Having an accurate credit report is very important for maintaining a healthy credit score and getting easy access to loans and credit cards. Lenders rely on your CRIF High Mark credit report to assess how you manage credit. Even small errors can affect approvals or delay your application. Which is exactly why checking your report regularly and fixing mistakes on time matters.

Correcting credit report errors can also help improve your credit score. It could be incorrect personal details. It could be wrong account information. It could even be identity misuse. Spotting these issues early and fixing them on time helps protect your financial profile. 

How to Correct Errors in Your Credit Report?

Correcting errors in your CRIF High Mark credit report starts with carefully reviewing the report to identify discrepancies. You are entitled to one free credit report every year, which you can download from the CRIF High Mark website.

Once you spot an error, you need to raise a dispute with CRIF High Mark. CRIF acts as a credit bureau and shares your dispute with the lender, also known as the data furnisher. The data furnisher is the bank or financial institution that originally reported the information. Any correction is made only after the lender verifies and confirms the error.

In some cases, reaching out to your lender directly can help, especially if the error came from their side. This way, the issue gets fixed at the source and shows up correctly in your credit report.

Step-by-Step Guide to Raising a Dispute with CRIF High Mark

You can follow these steps to raise a dispute online:

Step 1: Log in to the official CRIF High Mark portal

Step 2: Enter your details to locate your credit report

Step 3: Click on the ‘My Report’ section and select ‘Raise a Query’

Step 4: Choose the dispute category that best explains your issue

Step 5: Enter clear details of the correction required

Step 6: Submit the request

Once you raise a dispute, CRIF High Mark shares it with the lender or data furnisher. Most disputes are reviewed within 30 days. During this time, the entry stays under verification. After the check is complete, your report is updated and you are informed of the outcome. If needed, you can also reach out to CRIF High Mark through email or customer care.

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

• Always mention your CRIF High Mark Reference Number or Report ID
• Use the reference number as the subject while raising a query
• Share your CRIF account serial number along with your contact details
• Clearly mention which account or detail is incorrect
• Attach supporting documents wherever possible
• Only genuine errors are treated as complaints or grievances
• Other requests may be marked as queries
• You will receive a ticket number after submission for tracking

Common Errors in Your Credit Report

Some common errors found in CRIF High Mark credit reports include:

• Incorrect current balance or EMI amount
• Outdated payment status despite recent payments
• Incorrect personal details such as name, address, date of birth or PAN
• Duplicate loan or credit card accounts
• Closed loans still showing as active
• Accounts that do not belong to you
• Incorrect credit limit or loan classification

Identifying these errors early helps prevent unnecessary credit score drops.

Tips to Address Errors in Your Credit History

These simple tips can help you fix credit report errors smoothly and avoid issues in the future:

• Check whether your current balances are updated correctly
• Verify that recent payments reflect in your CRIF High Mark score
• Double-check personal details like name, address, date of birth and PAN
• Confirm ownership of all loans and credit cards listed
• Keep payment receipts and statements handy for proof

Note that certain fields, such as member name or control numbers, cannot be disputed.

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. 

In case you are looking to upgrade your life, opt for the Fibe Instant Cash Loan. Get our Personal Loan App or register on our website to get a loan of up to ₹10 lakhs with minimal documentation.

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

How long does it take to correct errors in a credit report?

Most disputes are cleared within 30 days. The process may take more or less time depending on how fast the lender or data furnisher responds to CRIF High Mark.

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.

How to rectify CRIF score?

To rectify your CRIF score, you can follow these steps.

• Step 1 – Go to the CRIF High Mark Website
• Step 2 – Create an account
• Step 3 – Review your report
• Step 4 – Gather supporting documents
• Step 5 – Submit the dispute online
• Step 6 – Contact the lender

Pay your bills on time and keep your credit use within the limit to boost your credit score.