credit report. In fact, it is highly recommended to regularly check the credit report for any inadvertent inaccuracy and errors, because these can adversely impact your credit score and also your ability to raise funds in the future. Copy of credit report: You’re entitled to one free credit report from CIBIL every 12 months.
Review your credit report: It’s advisable to carefully go through your credit report to look for any mistakes in it such as incorrect personal information, accounts that don’t belong to you, incorrect account statuses, or fraudulent activity. Supporting documents: Following the review, investor is meant to arrange documentation that supports their claim of errors on the credit report. This could include copies of bills or statements showing correct payment history, identity verification documents, or any other relevant evidence.
Raise an objection: Each credit agency has its own process for disputing errors on your report. You can raise an objection online on its website, by mail, or over the phone. You should give clear and specific details about the error and include copies of any supporting documentation.
Investigation by the agency: After you have filed a dispute, the agency will start the investigation by contacting the creditor or entity that provided the information. They typically have 30 days to complete their investigation. ALSO READ: Credit score: How long does negative information stay for on your CIBIL report? MintGenie answers Review the results: After the investigation, the agency bureau will inform you of the results.
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