CIBIL (Credit Bureau) – Trick Or Treat?

Credit Score is critical to the loan approval process these days, it maybe any kind of a loan – mortgage/ auto/ personal/ any.

CH Main

When you apply for a loan, the financial organization/ institution (I shall refer as FinOrg further in this post), where you’ve applied for a loan, will obviously check your ‘Credit Scores’. In India, its CIBIL (Credit Information Bureau India Limited) and the credit score of an individual that it gives back to financial institutions is called ‘CIBIL TransUnion Score’. Well, I’m just mentioning these terminologies because it shouldn’t sound like French or German to you if you are not aware of Indian system/ process 😀


The FinOrg comes back to you saying that they cannot approve your loan application because your CIBIL score/ history is not good enough. Well, that will be a little disgusting to you. You’ll tend to apply for a loan with another FinOrg, and depending upon their criteria, your application may get approved, but with a higher interest rate and maybe with a lesser tenure than what you actually need, which means you got to pay more EMI every month than what you expected.

Well, before you apply for a loan with another FinOrg, don’t you wanna check with the Credit Score provider on your credit report? Actually, you should. You have a provision by CIBIL to check our own credit report with latest credit score from time to time, with a minimal fee. I would say, we should check our credit history at least once in every year.

OK, you get our credit report from CIBIL. What’s next? You walk through the report, see all credit card/ loan accounts, look for their status – closed/ settled/ defaulted/ legal suit filed against you etc. Typically few things cannot be changed, like if you have really haven’t paid the due amount for long time, the respective FinOrg will file a suit against you and report the same to CIBIL, which will reflect in your report and is available to all other FinOrgs.

CH Cards


There are few things that you can have them changed/ altered, maybe not by CIBIL itself but the respective FinOrgs where you find any discrepancies – like you have had a credit card with FinOrg ‘A’ about 5 years ago and you have properly closed it or settled that account, the status of it should be ‘CLOSED’ or ‘SETTLED’; and even the ‘CLOSED DATE’ should have been populated. If you don’t see a ‘CLOSED DATE’ populated wherever it should have been, you can ask that particular FinOrg to update your CIBIL report accordingly and that FinOrg should be updating your CIBIL report accordingly. If you don’t do it, when you apply for any loan/ credit card and when they see so many ‘Zero Balance’ accounts on your report (which are not considered to be closed), then the FinOrg may decline your loan application. So, be very keen to have a look at your credit reports periodically, else you may have to face problem(s) in near or far future.


Since I started talking about it, I should tell you my experience which was much worse than what I’ve written about so far. I so happened to apply for an auto loan with one of the best FinOrgs in India. I needed it to be approved ASAP. Per the process, that FinOrg consulted CIBIL to get my credit report/ score to further make a decision on my loan application.

CIBIL – Lethargic Services!

I’ve waited for a week, there wasn’t any response from them regarding my application. I decided to follow up with them on the status of my application. When I contacted them, I was called to visit their branch. I’ve been to their branch and met the concerned person who deals with the loan process. The first thing he’d let me do was to go through my credit report that he received from CIBIL. You know what; I was literally shocked after reviewing it!!

Reason being, my credit report stated that I’ve taken a credit card from an XYZ bank around 9 years ago, and that I’ve used it and haven’t paid the due amount for 3 years at all. The report also stated that XYZ Bank had filed a legal suit against me for that account.

CH Bad Good

In fact, I never had any kind of relationship with that XYZ bank yet, not even a SB account. I kept wondering what could that be about. The FinOrg where I’ve applied for a loan denied my application due to that reason. They also told me that if it was ‘WRITTEN-OFF’ status with no ‘SUIT FILED’ note, they would have considered my case. But since it shows that a legal suit was filed against me, they had to reject my loan application.


Alright! What’s next? I tried to contact the XYZ bank asking for clarification on the dispute in my credit report, to know why they had to report something that wasn’t true. It was a month ago that I did it, but they said they started investigating the issue and get back to me within 60 working days (WTH!!)

Subsequently, I’ve also raised a dispute with CIBIL itself stating that I never had any relationship with XYZ bank and questioning them how could it be even possible that my report shows something which is not correct at all. CIBIL, again, responded back stating that the dispute resolution period is about 30 working days and they have started investigating my dispute. It’s been a month; I’ve got two emails from CIBIL meanwhile to let me know the status of the dispute’s investigation. I was happy to know that at least it is moving forward 😛

CH Error


One fine day, I’ve received a response from CIBIL stating the final resolution. Know what, I was again outrageous after going through what CIBIL notified me about!! I know, I know; you must be curious to know what happened 😛 Well, I’m sharing the communication between CIBIL & I, just the initial and final ones (of course with masked account numbers, email addresses and such key info.)


From:  Me


Date: Mon, Feb 4, 2013 at 12:05 PM

Subject: False/ Misleading Information In CIBIL: CN 123456789


I was checking my CIBIL report and found that the information it contains is incorrect/ false/ irrelevant.

Dispute in CIBIL Report:

Control Number: 123456789


ACCOUNT NUMBER: 0000001234567890





My concern is I never took/ had any Credit Card account or Loan account with XYZ Bank in the past, not even a bank account till now – but the report is showing that I’ve had credit card with them.

You may check with the bank itself, it may be some misleading information from the bank. Or you may check my bank statement; there was no account on my name with XYZ Bank ever.  I neither received any card or loan or even the statements for that card account.

Please investigate this issue and delete this information from my CIBIL, this is seriously impacting my credit history.

Thanking you in anticipation



To: Me

Date: Thu, Feb 21, 2013 at 10:01 AM

Subject: Service Request Number << SR# >>

Dear Sir,

We refer to your communication disputing certain information in your CIBIL Report.

We had done an in-depth analysis of the dispute raised by you and it was observed that the information pertaining to another individual’s credit report was inadvertently mixed with your report.  We have immediately taken corrective action to separate the information.

We would like to inform that the following details you have disputed are updated in your CIBIL Report.

The following account is removed and will not appear in your report going forward.

Member Name    Account Number

XYZ Bank      XXXX7890

Kindly quote the above mentioned Service Request Number in your future communication with us.

We regret the inconvenience caused to you in this regard.

Thanking you and assuring you of our best services always.

Best Regards,

Consumer Relations.

It is not expected that an organization that hold ultimate responsibilities towards every individual and their credit history, make such blunders which will have a high impact on an individual?? My loan applications were denied due to this mistake from CIBIL, and who should I stand responsible for that? Whom should I be claiming responsible for all these unwanted, lame and lethargic services/ happenings? CIBIL, obviously!! I have no comments here, as I myself am bewildered with all these.

I had to apply for a loan with another FinOrg, which fortunately offered me a loan, but with a higher interest rate and lesser tenure than what I needed. Who would have even imagined about a mistake from such institutions, which manages ‘our’ credit history!!

CH CheckI should tell you, these are the ‘Lessons’ that I’ve learnt from this experience:

  1. I should check my CIBIL report at least once in a year, which will give me a ‘Control Number’ for each credit report I order for, using which I can always raise a dispute.
  2. When there is a dispute, raise my dispute both with the respective FinOrg(s) AND with CIBIL as well, who knows where the issue lies with.
  3. Become Debt Free, as soon as I can 🙂

Oh BTW, I do have proofs that supports this post, in case if required 😀 Any thoughts/ experiences? Please share them in the ‘comments’ section!!

PS: All the pictures used in this post are randomly taken over Web, I do not own them.

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36 thoughts

  1. My name is alina jain and my PAN Number is BHWPS75322
    As per CIBIL report its showing I need to pay bills for 10 credit cards, but I never had any credit card in my life could you please help me in this case?
    Thank you,
    alina jain

  2. Its very important to know the current status of your credit report when you are planning to apply for a loan or a credit card. Your credit score decides if your application is going to get rejected or accepted. You can check your credit report by visiting It will help you to get a detailed report.

  3. Oh my goodness! Amazing article dude! Thank you so much, However I am going through problems with
    your RSS. I don’t know the reason why I cannot subscribe to it.
    Is there anybody else having identical RSS problems? Anybody who knows the answer can you kindly respond?

  4. Goods fact, using this type of work you are not
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  5. Hi,
    even i have came across this kind of issue with the CIBIL and finally issued a legal notice to claim it back, but it took some time to get my papers cleared. Try to handle this is with a financial adviser , i used spoke person to handle and the papers got cleared in some 3 or 4months! , and I know too long but later I got some idea with the help of internet and it was quite convincing for me and i learned some thing new. Just explore more and grab knowledge.

    Both are very informative check out

    1. Also,

      I left india about 9 years ago, and I don’t have any bank accounts/loans active, how to get my CIBIL report?

    2. Hi Kumar,

      CIBIL reports the credit history for atleast 10 years and it entirely depends on the banks who reports your payment history to the bureau. Ideally, 7 years your data is with the bureau and then they stop reporting it further.

      You can keep a track of your credit report for free and can also get to know free credit score by visiting

  6. Hey i feel really happy for you man, you are really a fighter. i would suggest you to literally file a case against them and make them realize the pain you borned it for so many years.
    this irresponsible organizations should be taught a big time lesson.

  7. My loan was rejected. Credit Sudhaar was my choice. Initially they were slow. But their counsellors were able to handle all my queries. I will give Credit Sudhaar a positive review

  8. My loan was rejected. Credit Sudhaar was my choice. Initially they were slow. But their counsellors were able to handle all my queries. I will give Credit Sudhaar a positive review

  9. I was going through the same problem few months back , then I consulted credit sudhaar , they helped me in paying my debt and also counselled me in taking decisions to improve my credit score. I would suggest you to consult them once. You can contact them on 022-67886788 or can visit their websites at

  10. The report contains basic details of the consumer (name, id etc.), personal details (date of birth, passport number etc.), location details (address), details of bank accounts such as auto loans, home loans, personal loans and credit card (overdue accounts, highest amount of credit sanctioned in case of credit card, overdue amounts – oldest, latest, last payment, account ownership, closure, sanctioned credit in case of credit cards and other cards, number of times credit report requested by the creditor along with the name, enquiry purpose, date and amount).

  11. "I thought I had settled and finished my problems. But the banks still were refusing me loans! I got in touch with Credit Sudhaar( ) Now, with Credit Sudhaar bad marks are really gone, my scores are up, and I was just told that my credit health is rock solid. These guys are pros. You can contact them on 022-67886788.

  12. Dear shiv I took two wheeler loan from icici bank dated 19/10/2006 which I have settled on 28/2/2013 & bank has given me NOC . now in my cibil report it show settled , DPD also reflect ooo with 36 months report ,I contecte icici bank coustomer care regarding the matter they suggested me that pay waiver amount to remove ‘settled ‘ tag but they can’t remove DPD portion of report, they also suggest me go for theircredit builder programme. my cibil score is 613 I do not have any Loan at present. Now suggest me how I can improve cibil score.

  13. I was going through the same problem two years back and then i got in touch with credit sudhaar. They help me in solving my problem and also counselled me. They even improved my credit ratings. You can contact them on 022-67886788 and ca visit their websites

  14. My name is Nitin Shevkari and my PAN Number is BHWPS7524R.
    As per CIBIL report its showing I need to pay bills for 9 credit cards, but I never had any credit card in my life could you please help me in this case?
    Thank you,
    Nitin Shevkari

  15. Hello Nitin, that’s awful thing from CIBIL. It is definitely not right thing to report someone else’s credit cards in your report. I suggest you ‘buy’ your CIBIL report immediately (or if you have your CIBIL report already, you may note the Control Number (mentioned on the top-right side).
    Then you should be emailing CIBIL () immediately providing them the facts that you never had any credit card(s) and that should be corrected ASAP. You have to wait for around 7-10 days for their response, and once you get it, they take another month or so to settle the issue for you. Hence, email them right away, mentioning your PAN card number and/ or the Control Number.
    It will definitely help you, so do not delay. Else you will have to end up getting frustrated when all your card/ loan applications will be denied due to this issue.

    1. Thitherwards thanks for suggestion i know i don’t have other choice and i dont have problem to buy cibil report by paying few hundred rupees but the question is still arised why should i pay them without any reason are they going to refund my money and with the people with whom they are cheating? just thought their might be 50 crore people are applying for loan or just credit card just multiply amount 50 crore * 500 its huge amount they want to still from people don’t any one think it is rediculas? and take action against it?

      1. Nitin, the reason I said ‘buy’ because to raise any issue with CIBIL, you should have a control number as reference. Else they may not even recognize you, even if you mention your PAN. If you already have it, then you don’t need to buy it again, just mention the CN.
        I had my CN to raise the issue with CIBIL. When they resolved the issue, I DEMANDED them to provide me the REVISED report again, which they did, free of cost. So, all I’m saying is CN is important for raising dispute, and I’m sure we won’t mind for few hundreds.

      2. Regarding ‘taking action against CIBIL’, well yes you can. Once you have a confirmation from CIBIL that they have reported someone else’s cards in your name, you can file a legal suit against CIBIL for “DEFAMATION” and “MENTAL HARASSMENT” for all those years.

  16. My name is Nitin Shevkari and my PAN Number is  BHWPS7524R.

    As per CIBIL report its showing I need to pay bills for 9 credit cards, but i never had any credit card could you please help me in this case?

    Thank you,
    Nitin Shevkari

  17. My name is Nitin Shevkari and my PAN Number is BHWPS7524R.

    As per CIBIL report its showing I need to pay bills for 9 credit cards, but I never had any credit card in my life could you please help me in this case?

    Thank you,
    Nitin Shevkari

  18. Follow Up On The Status Of My Issue:

    From: Me
    To: CIBIL
    Date: Thu, Feb 21, 2013 at 10:12 AM
    Subject: Re: Service Request Number <>


    How can an organization with crucial responsibilities make this blunder, which affects an individual big time?

    My loan applications were denied due to this blunder from your end, and who should I stand responsible for that? Who would compensate that for me now, that mental tension and harassment I’ve been through due to a blunder/ fault at your end?

    Please take a fresh CIBIL report on my account and email it to me, without asking me pay for that. I need to check that by myself and I cannot trust just your email.
    Hope that can be done ASAP.


    No response for a week days!!!! Emailed them again.

    From: Me
    To: CIBIL
    Date: Wed, Feb 27, 2013 at 7:23 PM
    Subject: Re: Service Request Number <>


    I’m hoping you will respond to me with a latest CIBIL report, showing the correcting you have made and the updated CIBIL Score. Please do the needful soon.

    I expect a professional and relevant response from you on this.


    After a week again, they responded back..

    From: CIBIL
    To: Me
    Date: Wed, Mar 6, 2013 at 1:25 PM
    Subject: Service Request Number <>

    Dear Sir,

    We refer to your communication regarding CIBIL Report.

    We apologize for the delay in responding to your email.

    In this regard, we would like to inform you that your updated report has been processed and sent to you via email dated 06-Mar-13 on your email id.

    We regret the inconvenience caused to you in this regard.

    Thanking you and assuring you of our best services always.

    Best Regards,

    Consumer Relations.

    You believe it or not, I was literally shocked again looking at my CIBIL Score – which had increased by over 250 Points!!!!!!!! Which is good though, but how much would I have lost all these days due to this sick and insane Organization, which reported me as a defaulter with a real less credit score???!!??? Should really SUE this Organization for defamation and harassment all these days.

  19. You can issue a leal notice for deficiency of services and claim damages/ compensation for the same by filing a suit against CIBIL; file a ‘Defamation Suit’ and/ or a ‘Civil Suit’.

  20. Thanks for your comment buddy! It wasn’t early that I’ve realized it, but it costed me a few denials of my loan applications, and hence a huge loss in terms of higher interest rates with the alternatives.

  21. Good that you were able to find it at the right time and got it corrected.
    Unbelievable that an organization which charges Rs 470 for that small report, and the score which prevents so many people from realizing their dreams of buying a house or owning a car, can be so irresponsible and so callous.

    Reading your blog i realized that mailing Cibil might actually help in my case also.
    Can you please share the email id you used to mail them.
    On the “contact us” section no mail id is mentioned.
    I also need to attach a file with my mail hence need Cibil mail ID for dispute resolution.

    1. Dear Sam,

      With respect to your query, you can send an e-mail regarding your dispute to You can attach the required documents along with the e-mail.

      Would request you to follow the steps as described on CIBIL’s website to raise the dispute.


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