VCFO Lite
Credit report (CIBIL) error correction and RBI complaint
- A wrong entry on your credit report can get a loan rejected.
- Deadline: Lender has 21 days and bureau 30 days in all from the complaint; Ombudsman complaint within 90 days after the 30-day reply period or the last reply
- Done in Dispute filed within 2 working days of the report and loan papers; RBI resolution time varies
- Prepared by your Savvy, checked by a CA
- Latest credit report from each bureau
- Is the account yours at all
- Pull reports from all four bureaus and list each error
- Error list and dispute IDs
Credit report (CIBIL) error correction…
Lender has 21 days and bureau 30…
- IWhat we need from you6 documents
- DQuestions for you6 questions
- FForms6 steps
- DWhat you getError list and dispute IDs
Answer in brief
A wrong entry on your credit report can get a loan rejected. We find the error, raise a dispute with the bureau and the lender with proof, claim the RBI compensation of ₹100 a day if they miss the 30-day limit, and file a free complaint with the RBI Ombudsman if they still do not fix it. Reading the report is DAT-CRD-01; settled status is LON-CRD-03.
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From the official sources
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How we solve it: 4 steps
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Step 1 of 4 · What we need from you
Tap each one you already have
- Latest credit report from each bureau
- Loan NOC or closure letterOptional
- Repayment receipts or statementOptional
- Loan account number and branch
- PAN and ID proof
- Dated copy of complaint to lender
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Pay and start
₹1,999
₹1,999 + ₹359.82 GST = ₹2,358.82
Event based. Delivered in Dispute filed within 2 working days of the report and loan papers; RBI resolution time varies. Due: Lender has 21 days and bureau 30 days in all from the complaint; Ombudsman complaint within 90 days after the 30-day reply period or the last reply
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