Got Errors in Your CIBIL Report? Here’s How to Rectify Them to Improve Your Score

Your CIBIL report contains details of your credit behaviour for different loan types. TransUnion CIBIL is an Indian credit bureau responsible for CIBIL score calculation according to the reports your bank and lenders send to them. A high CIBIL score and a clean CIBIL report with no defaults are crucial to secure new credit.

Most lenders ask for a credit score of 725 or above to sanction your loan application. There are ways to improve your score but if there are errors in your credit report, they may hold your score down and not let you secure a loan. Therefore, experts suggest to check regularly, and whenever you see a dip in your score without any expected reason, fetch your CIBIL report and look for any errors. If there are any, bring them to your lender’s attention immediately and dispute them with the credit bureau.

Identifying and rectifying any errors in your CIBIL report is essential, as they may harm your credit health and keep your score down without any fault of yours. Let’s look at some common errors that might appear in your CIBIL report and know how to resolve them.


You must check your credit report regularly to identify any errors in time. These errors may be minor or major with varying severity. Minor errors include a spelling mistake in your name, wrong birth date, or typing mistake in your address. Major errors can be as severe as mistaken identity, which may lead to someone else taking a loan in your name. Look for errors like overdue amounts on a credit card or loan you never applied for. Both minor and major errors can affect your credit score drastically and make it difficult for you to avail credit in the future.

How to Fix:

  • Get a copy of your credit report from CIBIL website
  • Identify any possible errors in your account or personal details
  • Fill up a dispute resolution form online to raise a dispute
  • Once the credit bureau verifies the error, they will remove it from your report


Days Past Due or DPD refers to the number of days by which you have delayed your due payment in a particular month. If your DPD has anything other than ‘XXX’ or ‘000’, it indicates that your payment is late. Lenders interpret DPS negatively, and this may negatively affect your CIBIL score. If you have paid your due amount, but DPD is still showing greater than ‘000’, there is probably an error on the lender or the credit bureau’s side.

How to Fix:

  • Identify the wrong DPD in your credit report
  • Bring it to the credit bureau’s notice by filling up a dispute resolution form online
  • If your claim is correct, the bureau will rectify it in your report


You may have closed or paid off a loan or credit card account, but it is still showing on your credit report. Probably, the lending institution did not report it to TransUnion CIBIL.

How to Fix:

  • Identify the closed account in your credit report
  • Contact your lender and ask them if they have closed your account and reported it to the credit bureau
  • If they have not yet closed your account, provide them the necessary details and get a No Objection Certificate
  • Once the bureau receives the updated information, they will remove it from your report


There might be errors in your account ownership, in which you may see an account in your report that does not belong to you. These may be due to administrative errors or may also indicate a fraudulent usage of your identity. An account tagged as ‘settled’ or ‘written off’ may have a negative effect on your credit score and makes a wrong impression on your lenders.

How to Fix:

  • Fill up the dispute resolution form online
  • Wait for a few days as the bureau will investigate and resolve the issue


If an overdue amount is showing for an account that you have already cleared, or if you can see defaults in your credit history even for regularly paid accounts, there is an error that might be unnecessarily holding down your credit score.

How to Fix:

Lenders submit updated details to the credit bureaus every 30-45 days. If you request your credit report before this time, there are chances that it is not yet updated in your records. If over two months have passed since you paid off or closed your account, you may contact the lender and request them to update their records and report them to the bureaus. CIBIL is not responsible for verifying any credit data that lenders report to them. So, in case of any inconsistency or error, you have to raise a dispute. After that, the bureau will verify your claim and update it on your report.

So, if your credit report has any of these errors, follow the steps mentioned above to fix them and update your records. Remember, ignoring errors in your credit report can adversely affect your CIBIL score and reduce your creditworthiness to a great extent. Sometimes, errors may also indicate fraudulent activity in your credit, which you have to resolve as soon as possible.

After resolving errors in your credit report, if you get a CIBIL score of 725 or above, you increase your chances of availing personal loans, home loans, or business loans from lenders. Clix Capital is a reputed NBFC that offers all these loan types at a competitive interest rate and flexible repayment terms. Browse through our loan products and apply for the one that best suits your financial requirement and budget.

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