Archive · 17 Sep 2025
How to Correctly Dispute Your Credit Score
Your credit report is like a financial report card, and sometimes it has mistakes.
If you see any errors, you can dispute them to make sure your score is correct.
You do this by logging into the credit bureau's website, finding the mistake, filling out a form, and providing evidence.
The credit bureau will then check with lenders and update the report within 30 days.
By correcting these mistakes, you can improve your chances of getting loans and credit cards with better terms.
Regularly check your credit report for errors.
File disputes online through credit bureau websites.
Provide detailed information about the errors and supporting documentation.
Credit bureaus investigate disputes and update records.
Issues can be escalated to the RBI’s Ombudsman if unresolved.
- Who
- Consumers/Borrowers
- What
- Filing a credit score dispute
- When
- When inaccuracies are found in a credit report
- Where
- With credit bureaus such as CIBIL, CRIF High Mark, Experian, and Equifax
- Why
- To correct errors that impact creditworthiness
- Dispute Process
- File online, provide details and documentation, await 30-day investigation
- Importance
- Affects loan approvals and credit terms
- Regular Check Frequency
- Mandated every 15 days by RBI
- Outcome Timeframe
- Credit bureaus update records within 30 days
- RBI Mandate
- Ensures borrowers' and lenders' rights are protected
