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How-To-Correct-Errors-In-Your-Credit-Report
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#How-To-Correct-Errors-In-Your-Credit-Report

Harshala Chandorkar of CIBIL will offer tips on how to get errors in your...  more »
Harshala Chandorkar of CIBIL will offer tips on how to get errors in your credit report rectified between 3 pm and 4 pm, January 13  « less
34 posts so far
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SM

SUMIT MUKHERJEE

CIBIL give wrong loan report for a unknown credit card (SHAHA) with a wrong adress of Mumbai ( I am resident of Kolkata). I tried to take up the matter directly with the institution but CIBIL not disclose the institution details. So due to bad credit report i am not getting the renewal of my Cash Credit A/c. What to do advice.. Sumit Mukherjee.

CIBIL give wrong loan report for a unknown credit card (SHAHA) with a wrong adress of Mumbai ( I am resident of Kolkata). I tried to take up the matter directly with the institution but CIBIL not disclose the institution details. So due to bad credit report i am not getting the renewal of my Cash Credit A/c. What to do advice.. Sumit Mukherjee. #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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HC

Harshala CThe report that you may be looking at would be a report that is accessed by the bank; where the name of the institution is not disclosed. You can access your own credit report alternatively raised a dispute online. Please provide your name, address, date of birth, report Control Number (CN) and the nature of the dispute.

 
The report that you may be looking at would be a report that is accessed by the bank; where the name of the institution is not disclosed. You can access your own credit report alternatively raised a dispute online. Please provide your name, address, date of birth, report Control Number (CN) and the nature of the dispute.
3 months ago  
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SM

SUMIT MUKHERJEEI have already done as you have suggested but CIBIL simply replied they can't change report and unable to disclose bank /card details.

 
I have already done as you have suggested but CIBIL simply replied they can't change report and unable to disclose bank /card details.
3 months ago  
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SM

Sanjay Misal

my cibil score is 746 is it enough to get housing loan.

my cibil score is 746 is it enough to get housing loan. #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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SM

Savvi MS

Sir, My brothers car loan is being reflected in my credit score. EMI is being deducted from my bros account but dont know why this loan is being shown in my cibil account. On inquiring, they say it a joint loan. I haven't even submitted single bank papers for this loan then how it could be a joint loan. Is it a way to rectify it in cibil????

Sir, My brothers car loan is being reflected in my credit score. EMI is being deducted from my bros account but dont know why this loan is being shown in my cibil account. On inquiring, they say it a joint loan. I haven't even submitted single bank papers for this loan then how it could be a joint loan. Is it a way to rectify it in cibil???? #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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HC

Harshala CIf your brother has taken a loan and you been a co-signatory to this loan the bank will report this loan as a 'joint loan'. This will be reflectedf both in his and your credit report. You can check with your brother whether he had made a joint application for a loan with your name as a co-applicant. If not, then approach the bank.

 
If your brother has taken a loan and you been a co-signatory to this loan the bank will report this loan as a 'joint loan'. This will be reflectedf both in his and your credit report. You can check with your brother whether he had made a joint application for a loan with your name as a co-applicant. If not, then approach the bank.
3 months ago  
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Savvi MSThanks a ton for the clarification.... will talk to the Bank

 
Thanks a ton for the clarification.... will talk to the Bank
3 months ago  
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Bhavya

I have a low score less than 600 , but I am making all EMIs on time and even credit card payments are made on time. So why is my score so low, Is there a help available at CIBIl that can help me understand why my score is low and how can I improve it.

I have a low score less than 600 , but I am making all EMIs on time and even credit card payments are made on time. So why is my score so low, Is there a help available at CIBIl that can help me understand why my score is low and how can I improve it. #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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HC

Harshala C

Access your CIBIL TransUnion Score Report regularly, it will help you to keep a track of your credit history. A good credit score and a healthy credit report can be a key to faster and better loan and credit card deals. It was a pleasure to participate in the Rediff Zarabol Chat show to answer all your queries. Have a good day !

Access your CIBIL TransUnion Score Report regularly, it will help you to keep a track of your credit history. A good credit score and a healthy credit report can be a key to faster and better loan and credit card deals. It was a pleasure to participate in the Rediff Zarabol Chat show to answer all your queries. Have a good day ! #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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PARAG CHOPADE

Dear Ms. Harshala,In one of the explaination you said that confirmationPlease remember that CIBIL can only make changes to your report, once the lending institutions submit the updated/ corrected data.But, who will ensure that the lender will respond the CIBIL back in specific time period?

Dear Ms. Harshala,In one of the explaination you said that confirmationPlease remember that CIBIL can only make changes to your report, once the lending institutions submit the updated/ corrected data.But, who will ensure that the lender will respond the CIBIL back in specific time period? #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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HC

Harshala CCIBIL will follow up with the bank to ensure that the consumer dispute is resolved. The consumer can also simultaneously follow up with the bank for a timely response.

 
CIBIL will follow up with the bank to ensure that the consumer dispute is resolved. The consumer can also simultaneously follow up with the bank for a timely response.
3 months ago  
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PP

Pradosh-Pati

Till how many years CIBIL keeps the defaulter record?

Till how many years CIBIL keeps the defaulter record? #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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HC

Harshala CCIBIL collects credit information pertaining to borrowers from banks and credit institutions. It then collates this information into credit reports and provides them to banks to help them evaluate risk while lending to a consumer. This credit information (both positive and negative) is maintained for a minimum period of 7 years.

 
CIBIL collects credit information pertaining to borrowers from banks and credit institutions. It then collates this information into credit reports and provides them to banks to help them evaluate risk while lending to a consumer. This credit information (both positive and negative) is maintained for a minimum period of 7 years.
3 months ago  
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Pradosh-PatiIf someone is a defaulter from 2007, then till which year CIBIL will keep the negative rating info?

 
If someone is a defaulter from 2007, then till which year CIBIL will keep the negative rating info?
3 months ago  
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ravishankar

I got a CIBIL TU score of 775 around 4 months ago with a report that showed one 'written off' and one 'outstanding' wrongly After proving the mistake to CIBIL I got a new report last month with both the amounts showing as paid and zero outstandings or 'written offs'but the TU score had become 705 !!! How come ???Ravishankar

I got a CIBIL TU score of 775 around 4 months ago with a report that showed one 'written off' and one 'outstanding' wrongly After proving the mistake to CIBIL I got a new report last month with both the amounts showing as paid and zero outstandings or 'written offs'but the TU score had become 705 !!! How come ???Ravishankar #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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HC

Harshala CPlease share your Service Request number (SR Number) and email ID so that we can find out why has the CIBIL TransUnion Score changed.

 
Please share your Service Request number (SR Number) and email ID so that we can find out why has the CIBIL TransUnion Score changed.
3 months ago  
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Sachin Arora

Please answer my first question and second is someone was telling that we should not check our cibil score regularly , is it true

Please answer my first question and second is someone was telling that we should not check our cibil score regularly , is it true #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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HC

Harshala CIf you access your own CIBIL Report and Score regularly it will infact help you understand what is conatined in your report and what is your score. It does not have any negative impact on your report or score.

 
If you access your own CIBIL Report and Score regularly it will infact help you understand what is conatined in your report and what is your score. It does not have any negative impact on your report or score.
3 months ago  
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RAVI

Sir i want to know my CIBIL Score...how do i access it online

Sir i want to know my CIBIL Score...how do i access it online #How-To-Correct-Errors-In-Your-Credit-Report
Posted : 3 months ago
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HC

Harshala CYou can access your CIBIL Report and CIBIL TransUnion Score on CIBIL’s website in 3 easy steps:• Step 1: Fill online form- Visit http://rediff.ly/1gsxk and duly fill in the online request form • Step 2: Payment – Make payment of Rs. 470 via Net banking / Debit / Credit / Cash Card• Step 3: Authentication – Answer 2 questions based on your credit history

 
You can access your CIBIL Report and CIBIL TransUnion Score on CIBIL’s website in 3 easy steps:• Step 1: Fill online form- Visit and duly fill in the online request form • Step 2: Payment – Make payment of Rs. 470 via Net banking / Debit / Credit / Cash Card• Step 3: Authentication – Answer 2 questions based on your credit history
3 months ago  
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HC

Harshala CIf you are successfully authenticated you can download your credit report consisting your credit score and also receive it via e-mail. If you fail the authentication then you can upload scanned copy of your identity proof and address proof on CIBIL’s website. The report will then get delivered to you via express delivery

 
If you are successfully authenticated you can download your credit report consisting your credit score and also receive it via e-mail. If you fail the authentication then you can upload scanned copy of your identity proof and address proof on CIBIL’s website. The report will then get delivered to you via express delivery
3 months ago  
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