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Common CIBIL Report Errors & How to Fix Them

 

Common CIBIL report errors in India and how to fix them step by step
Common CIBIL Report Errors & How to Fix Them

Introduction

Bahut saare log apna CIBIL score low dekh kar ghabra jaate hain, lekin asli problem aksar ye hoti hai ki CIBIL report me galat information hoti hai. Aap time par EMI pay karte ho, fir bhi loan reject ho jata hai — iska reason CIBIL report errors ho sakta hai.

Is article me hum detail me samjhenge:

  • CIBIL report me kaun-kaun se common errors hote hain

  • Ye errors aapke credit score ko kaise affect karte hain

  • In errors ko step-by-step kaise fix karein

  • Dispute raise karne ka sahi process kya hai

Agar aap beginner ho ya pehli baar CIBIL report check kar rahe ho, toh ye guide must-read hai.

What Is a CIBIL Report?

CIBIL report ek detailed document hoti hai jisme aapki:

  • Loan history

  • Credit card usage

  • Payment behaviour

  • Outstanding dues

sab kuch record hota hai.
Banks aur NBFCs loan approve karne se pehle isi report ko check karte hain.

👉 CIBIL score (300–900) isi report ke data se calculate hota hai.

CIBIL Report Errors Kyun Hote Hain?

CIBIL khud se data nahi banata, balki:

  • Banks

  • NBFCs

  • Credit card companies

se data leta hai.
Agar yahan kahin bhi reporting mistake ho jaaye, toh wo CIBIL report me error ban jaati hai.

1️⃣ Personal Details Errors

Ye sabse common aur sabse basic error hota hai.

Examples:

  • Galat naam spelling

  • Wrong date of birth

  • Incorrect address

  • Mobile number mismatch

Impact:

  • Identity mismatch

  • Loan processing delay

  • Kabhi-kabhi wrong credit history attach ho jaati hai

Fix kaise karein?

  • CIBIL website par login karein

  • “Dispute” section me jaakar personal details correction raise karein

  • Supporting ID proof upload karein

2️⃣ Closed Loan Still Showing as Active

Bahut logon ke saath ye issue hota hai.

Problem:

  • Loan poora close ho chuka hai

  • NOC mil chuki hai

  • Fir bhi CIBIL me Active dikh raha hai

Impact:

  • Credit utilization high dikhta hai

  • Score unnecessary drop ho jata hai

Fix:

  • Bank se loan closure proof / NOC collect karein

  • CIBIL me dispute raise karein

  • Usually 30–45 days me update ho jata hai

3️⃣ Late Payment Shown Even After On-Time EMI

Ye error kaafi dangerous hota hai.

Problem:

  • EMI time par pay ki

  • Fir bhi report me “Late” ya “Overdue” mark

Impact:

  • Payment history kharab

  • Score par direct negative effect

Fix:

  • Bank statement collect karein

  • Payment proof upload karke dispute karein

  • Lender verification ke baad correction hota hai

4️⃣ Duplicate Loan or Credit Card Entry

Kabhi-kabhi same loan do baar report ho jata hai.

Impact:

  • Outstanding amount double dikhai deta hai

  • Credit utilization ratio bigad jata hai

Fix:

  • Duplicate entry identify karein

  • Correct loan details ke saath dispute raise karein

5️⃣ Loan You Never Took (Fraud Entry)

Ye sabse serious error hai.

Possible Reasons:

  • Identity misuse

  • PAN misuse

  • Data entry mistake

Impact:

  • Severe score drop

  • Loan rejection

  • Legal trouble ka risk

Fix (Immediate Action):

  • Turant CIBIL dispute raise karein

  • Concerned bank ko inform karein

  • Agar fraud lage toh police complaint bhi karein

6️⃣ Wrong Credit Limit or Outstanding Amount

Kabhi-kabhi:

  • Credit limit galat report hoti hai

  • Outstanding amount actual se zyada dikhta hai

Impact:

  • High credit utilization

  • Score unnecessary down

Fix:

  • Latest credit card statement upload karein

  • Correction dispute raise karein

How to Raise a Dispute in CIBIL Report (Step-by-Step)

Step 1:

CIBIL ki official website par login karein

Step 2:

“Dispute Center” par jaayein

Step 3:

Error type select karein
(Personal / Account / Payment related)

Step 4:

Supporting documents upload karein

Step 5:

Dispute submit karein

👉 Resolution Time:

  • Normally 30–45 days

Important Tips While Raising Dispute

✔ Sirf genuine errors ke liye dispute karein
✔ Clear documents upload karein
✔ Multiple disputes ek saath avoid karein
✔ Resolution ke baad report dobara check karein

How Often Should You Check CIBIL Report?

  • At least once every 6 months

  • Loan ya credit card apply karne se pehle

  • Jab bhi score achanak gir jaaye

Regular checking se:

  • Errors jaldi pakad me aate hain

  • Fraud risk kam hota hai

Common Myths About CIBIL Report Errors

❌ Dispute raise karne se score aur girta hai
❌ Errors automatically fix ho jaate hain
❌ Sirf banks hi correction kar sakte hain

✅ Sach:

  • Dispute safe hota hai

  • Manual follow-up zaroori hota hai

  • Customer khud correction karwa sakta hai

Conclusion

Low CIBIL score ka matlab hamesha bad financial habits nahi hota.
Kai baar reason hota hai CIBIL report errors.

Agar aap:

  • Regularly report check karte ho

  • Errors ko time par fix karte ho

toh aap apna credit score kaafi improve kar sakte ho.

👉 Loan lene se pehle apni CIBIL report zaroor check karein.