When it comes to loans and getting approved for them, the credit score or the CIBIL score plays an important role. A credit score is a three-digit number between 300 and 900 that indicates a borrower’s financial health and ability to repay a loan on time. The closer a borrower’s CIBIL score is to 900, the better the borrower’s financial standing and chances of getting approved for a loan on favourable terms and conditions. TransUnion CIBIL is a preferred credit information bureau in India and the credit score it assigns borrowers is known as the CIBIL score.
A borrower’s credit score or CIBIL score is calculated based on their credit report, which shows a borrower’s past repayment behaviour, such as the number of loans they already have, the loans they have paid off, the new credit card applications they have made, the loans they have been approved and rejected for, and the kind of loans they already have.
All lenders check a borrower’s credit report before they take a call on their loan application as well as the loan terms and conditions to be extended to a borrower. Lenders and financial institutions furnish information about borrowers who are repaying their loans to these credit agencies. Sometimes, wrong information may get passed to credit rating agencies and credit information bureaus, resulting in inaccurate CIBIL scores.
Borrowers must, therefore, check their CIBIL report once every few months and make sure that there are no errors in it. Before we discuss the types of CIBIL errors and how to resolve credit report errors, let us look at how to check one’s CIBIL score for free.
How to Check Your CIBIL Score for Free?
These days, many websites allow borrowers to check their CIBIL score for free. The process is simple, go to the website offering this service for free. You will be required to share a few details about you, such as your name, email address, income, and PAN details, to fetch correct credit score details. Then, you will be shown your CIBIL score instantly. However, if you want access to your CIBIL report, you will have to contact TransUnion CIBIL. In this case, based on the subscription plan you choose and the number of times you wish to get your credit report in a year, you will be required to pay a small fee.
Also Read: Why is it Important to Check Your Credit Report and How Often?
Common CIBIL Report Problems and Types of CIBIL Errors
Inaccurate Current Balance
This is the most common CIBIL report error. TransUnion CIBIL produces CIBIL reports every month. However, the borrowers get their CIBIL reports 45 days after requesting them. Thus, sometimes, even when a borrower has cleared all payments before the due date, the last payments made are not reflected in the report. This error will be resolved once TransUnion CIBIL updates your credit report.
Incorrect Account Details
Due to inaccurate details, your CIBIL report may show details that do not match the details on your PAN Card or other ID proof. Disputing inaccurate details with CIBIL is important as errors can harm your credit score, affecting loan approvals and interest rates. Correcting these errors ensures accurate financial representation, increases future financial opportunities, and provides a fair chance at credit assessment.
Duplicate Accounts
Sometimes, a borrower’s CIBIL report reflects multiple loan accounts. This can again hamper a borrower’s CIBIL score as well as their ability to avail of a loan. Therefore, a borrower must report this error immediately.
Ownership Issues
Sometimes, credit reports reflect the wrong balance loan amount. Your credit score may show an amount much higher or lower than you currently owe. If this is the case, report the error to TransUnion CIBIL immediately.
Also Read: A Helpful Guide to Understanding Your Credit Report
How to Resolve Credit Score Report Errors?
Resolving credit score report errors is easy. Borrowers can rectify errors by filing an online dispute form on TransUnion CIBIL's website. While filling out this form, the borrower will need to provide their control number, which is a nine-digit number that one can find on their credit information report. Once TransUnion CIBIL receives your online dispute form, they will contact the concerned bank or lender and ask them for clarity on the complaint filed by you. Once CIBIL receives an answer from them, the applicant is notified through an email. If the applicant is satisfied with the answer provided, the query is resolved and the credit report is updated and sent again to the applicant or the borrower. However, if the applicant is not satisfied with the answer, they can initiate another CIBIL dispute request.
Borrowers and credit users should understand that CIBIL cannot make any changes to a credit user’s report without seeking clarity from the concerned bank or lender. Therefore, updating CIBIL report errors takes time. This is one of the reasons why borrowers are asked to check their CIBIL score/report often and report errors as soon as they are detected.
Please be informed that CIBIL takes approximately 30 days to resolve disputes and it will take another few weeks for the changes made to reflect in your credit report. So, if you are planning to apply for a housing loan soon, check your CIBIL report and make sure your CIBIL score has no errors and is in the good range.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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cibil Cibil
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home+loan Home Loan
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tax Tax
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cibil Cibil
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Top 10 Reasons For Low CIBIL Score & How To Improve It2024-03-01 | 5 min
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home+loan Home Loan
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5 Great Ways Women Can Benefit from Taking a Housing Loan2024-01-16 | 5 min
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loan+against+property Loan Against Property
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Top Benefits of a Loan Against Property Over Collateral-Free Loans2024-01-09 | 4 min
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cibil Cibil
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cibil Cibil
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How Does Your Digital Footprint Affect Your CIBIL Score?2024-03-20 | 5 min
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cibil Cibil
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How Can I Get My ECN Number in CIBIL?2024-01-09 | 5 min
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home+loan Home Loan
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What is Foreclosing a Home Loan? These are Some of the Do’s and Don’ts2023-12-20 | 6 min
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tax Tax
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10 Useful Income Tax Deductions for FY 2022-232024-02-21 | 6 min
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home+loan Home Loan
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All You Need to Know About Home Loans2023-01-19 | 5 min
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cibil Cibil
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tax Tax
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5 Tax Savings and Other Advantages You Can Get When You Apply for Home Loans2024-02-14 | 6 min
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cibil Cibil
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Reasons Why Your CIBIL Score Is Going Down2024-04-10 | 4 min
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Checklist of Documents Required for Home Loan2024-02-07 | 5 min
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home+loan Home Loan
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How to Get a Housing Loan Approved Instantly?2024-04-10 | 5 min
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home+loan Home Loan
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What Is a Pre-Approved Home Loan and How Should You Get It Done?2024-03-12 | 5 min
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tax Tax
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Should You Get a Home Loan to Save Your Taxes?2024-02-01 | 3 min
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home+loan Home Loan
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How to Pay Off Your Home Loan Quicker2024-03-11 | 4 Min
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cibil Cibil
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How Business Loans Affect Your CIBIL Score & How to Improve the Same2024-03-13 | 6 min
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loan+against+property Loan Against Property
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Short vs. Long Loan Against Property Tenor - Which Is Better?2024-05-07 | 4 min
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home+loan Home Loan
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Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
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tax Tax
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What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
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How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
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How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
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What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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What Does It Mean to Have a CIBIL Score of -1