Credit score (CIBIL score) has become one of the most important metrics for banks to track. All banks and NBFCs use credit reports by to evaluate borrowers during the loan approval process. Credit scores help banks determine whether a customer gets approved or not, how much credit they are eligible for, and at what rates they can borrow. The quality of credit reports has improved over time but they are not yet completely error free. Credit bureaus work with a lot of data from a lot of different sources, and small errors can be expected. However, as a borrower, one can check their credit score frequently to be aware of such an error creeping up. How to get your CIBIL/credit report for free?

A bad credit score could result in a loan rejection or a higher interest rate. The impact of higher interest rate can run into several lakhs over the course of the loan. So it is extremely important to review your credit reports periodically and ensure that the data in the credit report is accurate. If you see an error you should get it fixed at the earliest by raising a dispute with the concerned bureau.



CIBIL is the most popular and most widely used used bureau in India. You can dispute CIBIL if you find an error and correct the information in your by raising dispute online here: CIBIL Dispute Resolution Form

Alternatively, you can raise a Dispute Request by writing to them directly at the following address:

TransUnion CIBIL Limited,

One Indiabulls Centre, Tower 2A,

19th Floor,Senapati Bapat Marg, Elphinstone Road,

Mumbai – 400 013



Download and fill the query application form: Experian Query Application Form

Attach ID proof and Address proof to the form and mail to

Experian Credit Information Company of India,

P.O. Box. 9096,

Goregaon (East),

Mumbai – 400063



You can initiate a dispute online here: Equifax Dispute Resolution Form

Alternatively, you can also raise a dispute through email. Download and fill in dispute resolution form here. Email the scanned copies of filled out form, ID proof, and address proof to


CRIF Highmark

You can email or call CRIF Highmark to raise a dispute:

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