The government as well as banks is very strict now days for allowing a loan. Earlier people do some fraud in one bank and apply to another. But now day’s banks cannot pass the loan before checking the cibil report of the applicant for loan. In cibil report of every loan and credit card comes with all the details and outstanding balance if any. So one should check his/her cibil report before applying for a loan, as there are no chances to pass a loan if cibil report is not good.
If anybody is not satisfied with credit report as it shows some wrong information, one can raise dispute through online from the cibil site. One need to mention all the details and submit online form. It is completely free but there are two drawbacks.
- They only entertain the dispute if cibil report is taken by the customer not the bank.
- They will reply or change in cibil report in almost 30 days.
Sometimes there is an emergency to change the cibil report so oner can contact cibil from the phone numbers. The number are in the cibil website, contact us.