How to Raise Dispute in CIBIL
We will learn how to raise a dispute in CIBIL report. If you want to take any kind of loan from a bank or a credit card company, or if you want to apply for a credit card, the first thing they check is your credit score. This score is provided by four types of companies — Experian, Equifax, CRIF Highmark, and TransUnion CIBIL, which you commonly call the CIBIL score. If your CIBIL score is bad, they refuse to give you a loan.
Found something wrong with your CIBIL report? This video will help you understand the process of reporting inaccuracies in your report. Now let’s get started.
Visit the Official CIBIL Website
To initiate a dispute process, visit our official website www.ci.com. Go to the Dispute Resolution tab and select Consumer Dispute Resolution for reporting inaccuracy in your CIBIL report.
Read About the Dispute Resolution Process
Before reporting an inaccuracy, read more about the dispute resolution process to make an informed decision.
Login or Sign Up to Raise a Dispute in CIBIL
If you are an existing user, you need to log into your CIBIL account or dashboard to raise a dispute.
If you have received your CIBIL report from a third party, click on Sign Up to create your CIBIL account before raising a dispute.
Access Your CIBIL Report
Log into your CIBIL account or dashboard to report any inaccuracy with your report. After logging in, access your CIBIL report either from the left navigation bar or by clicking on View Your CIBIL Report.
Check for Inaccuracies in the Report
Read through different sections of your CIBIL report in detail. If you spot any inaccuracies on your latest CIBIL report, scroll to the bottom of the page and click on Raise a Dispute.
Enter the CIBIL Dispute Center
Inside the CIBIL Dispute Center, you can find more information related to reporting inaccuracies. If you still wish to raise a dispute, click on Access Dispute Form Now.
Select the Applicable Section
Select the applicable section for which you wish to file a dispute. Using an example of the Account section, let’s show you how to raise a dispute about your account information. The process remains the same for other sections as well.
Choose the Type of Dispute
Now you can find all kinds of disputes you can raise for account information in your CIBIL report. Select the dispute type by clicking Find Solution.
If you are satisfied with the solution presented and don’t want to raise a complaint, click on Thank You, Take Me to Homepage. However, if you still wish to proceed with the dispute, click on Raise a Dispute.
Fill the Dispute Form
Next, kindly fill the form with the details about the dispute and continue. You can also add disputes from other sections of your report.
If all details are okay to proceed, click on Submit Dispute.
And it’s done — your dispute is submitted successfully.
CIBIL Verification Process
Once you submit your dispute, CIBIL will verify it internally and route it to the relevant credit institution. Once the credit institution responds to the dispute request, CIBIL will update the changes instantly if applicable and communicate the status to you via email.
Timeline for Dispute Resolution
Please note that it may take approximately 30 days to resolve a dispute, subject to the time taken by the banks and financial institutions to respond.