Cibil report correction

[Shubham]

Does after the removal of false loan from the cibil report,cibil gives a free new report?
I had raised a dispute that a false loan was showing on my cibil and today I got the resolution that the loan had been removed but they didn't gave me new report.

I know RBI have guideline that they have to solve the issue in 30 days and after that they will have to pay 100 per day penalty but does RBI also some rule about the new report after the case is solved?

 

[17ysaurabh]

There is no such rule to show CIBIL reports.
You can use apps like OneScore or Google Pay to get monthly CIBIL reports.

 

[Bharatiya Nagrik]

Cibil will not give you updated report when any changes are made. You will get the updated report in the next month in which ever app you use to see your report.

 

[its_Anmol]

Does after the removal of false loan from the cibil report,cibil gives a free new report?
I had raised a dispute that a false loan was showing on my cibil and today I got the resolution that the loan had been removed but they didn't gave me new report.

I know RBI have guideline that they have to solve the issue in 30 days and after that they will have to pay 100 per day penalty but does RBI also some rule about the new report after the case is solved?

How to raised dispute

 

[zacobite]

How to raised dispute

with the financial institution that has sent the input to cibil... cibil by themselves will never remove any entry

 

[wcgxlr8]

Cibil will not give you updated report when any changes are made. You will get the updated report in the next month in which ever app you use to see your report.

You can get real time updates if you subscribe to their premium plan (1k/year I think). And you get unlimited refreshes (1/day), simulator etc.

Also, alternately, you can install 4-5 apps which give 1 free report per month so that you can get a free report every week.

 

[wcgxlr8]

with the financial institution that has sent the input to cibil... cibil by themselves will never remove any entry

CIBIL will file a dispute on your behalf to the concerned financial institution and they have to respond to it (to you) within 30 days. Else, they have to pay you 100/extra day without a response.

 

[zacobite]

CIBIL will file a dispute on your behalf to the concerned financial institution and they have to respond to it (to you) within 30 days. Else, they have to pay you 100/extra day without a response.

cibil will not make any chgs directly.. it has to come via financial institution.. so better to go to institution directly

 

[wcgxlr8]

cibil will not make any chgs directly.. it has to come via financial institution.. so better to go to institution directly

Correct, but the institutions respond faster when approached through CIBIL ( speaking from experience - Bajaj Finserv had a loan on my report which I never took and it was dragging down my score. I wrote to them, tried calling their customer service but nothing came out. Then, I disputed it through CIBIL, and I got the update done in 9 days).

 

[zacobite]

Correct, but the institutions respond faster when approached through CIBIL ( speaking from experience - Bajaj Finserv had a loan on my report which I never took and it was dragging down my score. I wrote to them, tried calling their customer service but nothing came out. Then, I disputed it through CIBIL, and I got the update done in 9 days).

ok

 

[Bharatiya Nagrik]

You can get real time updates if you subscribe to their premium plan (1k/year I think). And you get unlimited refreshes (1/day), simulator etc.

Also, alternately, you can install 4-5 apps which give 1 free report per month so that you can get a free report every week.

Yes already have 4 apps to check credit score for free every 8-10 days so that is why no point in spending 1k for cibil specifically.