How to raise a dispute in the CIBIL report

 

Myself Ramesh Naskar, I am working as a CIBIL repairer for 10 years. I also have a YouTube channel in which I post videos regarding CIBIL. In that channel I often get a comment saying how can a person raise a dispute in CIBIL.

CIBIL is a very important document if you are planning to get a loan. CIBIL score and CIBIL report decide where you will be eligible for getting a loan and at what rate.

As I have already told you about the importance of CIBIL, you also need to know that you should check your CIBIL at regular intervals. This will give you an advantage because you will know if there is any problem with it or not.

Now the main question is if there is any problem in your CIBIL credit account like mixing account, over dues, settlement or written off then u will face problems.  You won’t get a loan from any bank unless you rectify it.  

So today I am going to teach you the process or the method you can raise CIBIL disputes all by yourself.

Let's begin

Go to the official website of CIBIL from google.com

Once the site is opened you will get this page. In this, you can get free CIBIL and you can also register on this site.

For free CIBIL you have to click the “click here” button.

I have already made a YouTube video on how to make free CIBIL from TransUnion. I am going to attach the link below you can go and check it out.

Now if you have already registered on the CIBIL site, just go to login. if are not registered then you need to register on the site.

 It will charge you as per your subscription duration. Please go for 6 months because sometimes it takes more than 45 days to get your CIBIL rectified.

Now as my customer has already registered himself, I will click login.

 

 Enter your details and proceed to next page.

Once you login this page will be shown.  In this page you will see your Cibil score. In the top you can see your Cibil score. and a unique control number present in your Cibil report.

 then you will find few sub sections like personal information, contact information, employment information, account information and last enquiry information. 

If you find any error in any of this mentioned section then you can raise dispute.

Previously there was another option present in this page on top, which was easy method for raising a complaint. But this facility has been removed from by credit bureau.

 Now option is given at the bottom of the page. You need to click it and then a page will open named dispute center.

 In this page, you will see a link called dispute an item. You need to click this dispute an item. After that, a page will be opened.

On this page, as you can see options like

•    Personal information
•     Contact information
•      Employment information
•     Account information
•      Enquiry information’s.

 

Click the section in which you want changes or want to raise a dispute.

Currently for my customer, I want to raise a complaint in the account section.

After clicking the account section, it will show you all the loan account associated with you. In this case, you get to see two accounts.

 For other closed account you need to click this link.

 This will pop up after you click the closed account button.

Now you will see all the accounts in details.

The second IIFL account which you can see into this snap has error. So, my customer wants it to be removed.

 

Click the IIFL account. then you will get some list of options.

1.     Account reflects multiple times

2. Account does not belong to me.

If this account doesn’t belong to you, simply click the check box given beside account does not belong to me and then submit it.

But in my customer’s case, it shows DPD. The customer informed me that he didn’t have so much DPD.

In your case its possible that you have a genuine DPD status. and because of DPD you wont are not getting any loan.  In that case, you can change the DPD score 0 and raise a dispute.

 I have already made a YouTube video in which I discussed removing DPT/DBT. The link is given in the description below. You can check it out for DPD-related issues.

Now I am going to change all the values to zero and then hit submit. 

This pop will be shown, again click on submit dispute and This will raise your dispute in credit bureau.

 A dispute summary will be generated, in which you will see the details regarding your dispute raised. It will give a dispute id. within 30 days CIBIL will response regarding your dispute. If you want you can contact customer service and ask for your dispute status. You need to provide them with your dispute id. 

You can also check the disputed status from the dispute center. You need to click on the open and close dispute.

After clicking it, it will show the dispute id and its status.

The drawback of this process is you don’t get a good result. So, there is another process to rectify your CIBIL error.

I have made a YouTube video regarding rectifying your CIBIL error. you can check it on my YouTube channel. The link is given in the description.

CIBIL credit bureau always updates its process for error rectification. Previously we can email them our problem. Now, this option is not available. 

Read More:

1. How to remove Post Written off Settlement from the CIBIL report?

2. What is SMA (Especially Mentioned Account)? How to remove SMA from the CIBIL report?   

3. How to download CIBIL report (Free) CIBIL report in PDF format?