First get the CIBIL Credit Report, you can get it via Online or Offline. And check that all the info is correct. If some info is not correct, you can initiate a dispute to correct it via Online or Offline.
What info you Need?
1- Personal Info – Name, Date of Birth, Gender, Address, Mobile or Landline, Email ID
2- Dispute Details –
a) Control Number – Control Number is a unique 9 digit Control Number which is displayed on the top right hand side of your CIR.
b) Date of Report – Date when the above Credit Report is generated.
– In case, you are initiating a dispute based on a CIR accessed by your Credit Institution (By Bank), kindly obtain the Control Number and the date of the CIR from your Credit Institution before raising the dispute request.
c) Reason for Dispute
Examples of Disputes:
Dispute on Consumer / Borrower Information:
My Date of Birth in CIBIL report is 01/01/1990, the correct Date of Birth is 01/01/1991
Dispute on Account Info:
Member Name : ABC Bank, Account number : 1234, Current Balance : 10000/-, Last payment date : 30/08/2010 as per CIBIL Report. The correct last payment date is 15/11/2010, Amount last paid Rs 5000/-
Member Name : XYZ Bank, Account number : 1234 does not belong to me
How to initiate a dispute Online?
1- Logon to CIBIL Consumer Dispute Weblink
2- Enter Personal Info, Control Number, Date of Report and Reason for Dispute
How to initiate a dispute Offline?
1- Write a detailed dispute letter explaining the problem and Reason for Dispute (Download Sample Letter)
2- Attach supporting documents to support you dispute
3- Send above documents to CIBIL at below address-
Credit Information Bureau (India) Ltd,
Hoechst House, 6th Floor, 193, Backbay Reclamation,
Nariman Point, Mumbai 400 021