How to Remove an Enquiry from Your CIBIL Credit Report

A clean and accurate CIBIL report strengthens your credit profile and supports smooth loan approvals. However, if credit enquiries are made without your consent, it can affect your CIBIL score negatively. The earlier you find and correct these entries, the healthier your financial position will be.

This guide explains how to detect and remove unauthorised enquiries with an efficient dispute resolution process. Towards the end of this guide, you will know how to maintain healthy CIBIL records.

Steps to Remove an Incorrect Enquiry from Your CIBIL Report

Here are the steps to remove an incorrect enquiry from your CIBIL report:

1. Understanding Which Credit Enquiries Can Be Removed

You need to understand which enquiries are eligible for removal before starting the process. Your credit report records two types of enquiries. Understanding these enquiries helps you decide whether a CIBIL report update is required.

• Hard Enquiry: This takes place when you formally apply for a credit product, such as a Personal Loan or a credit card. Here, you will give the lender your consent to check your credit history. These enquiries are visible to other lenders and can temporarily lower your CIBIL score.
• Soft Enquiry: This shows up when you check your own credit report or the financial institution conducts a background check for a pre-approved offer. Soft enquiries do not influence your CIBIL score.

When Can You Remove a Hard Enquiry From Your CIBIL Report?

You can only remove an enquiry from your report in two cases:

• The enquiry was recorded without your consent, or
• The lender or credit bureau has uploaded incorrect data or mixed up profiles.

2. Review Your Credit Report for Errors

After you confirm the enquiry type, review your entire report carefully. Fraud or identity misuse often creates multiple inaccuracies. You can access one free full credit report each year from each credit bureau in India. After you have downloaded the report, go to ‘Enquiry Information.' Look at each entry individually, checking the lender's name and the date of the enquiry.

Also Read: How to Check and Download CIBIL Credit Report Online

Details to Verify Before Raising a Dispute

If you find entries that do not match your credit records, you can proceed with the dispute request.

3. Raise an Online Dispute With CIBIL

Once you spot an unauthorised enquiry, you can raise a dispute with TransUnion CIBIL through their online dispute resolution process. To begin:

• Log in to your myCIBIL account
• View your credit report
• Navigate to the ‘Dispute Centre'
• Select the ‘Enquiry’ section
• Choose the incorrect entry
• Submit the dispute

You can also contact CIBIL at +91 22 6140 4300 (Mon–Sat, 10:00 a.m. to 06:00 p.m.) or email CIBILinfo@transunion.com for assistance.

Keep your latest credit report and the Enquiry Control Number (ECN) handy for reference. Once the dispute is submitted, CIBIL will acknowledge it and coordinate with the lender to verify and update the information.

4. Track the Dispute and Verify the Correction

After you submit the dispute, the tracking phase begins. Here is a clear breakdown of what can be done next:

• Lender Verification: CIBIL forwards your dispute to the concerned lender, who then checks their records to verify the changes.
• Resolution Timeline: The entire process of investigating and resolving the dispute is generally completed within 30 calendar days, as per RBI guidelines.
• Tracking Your Request: You will receive a dispute ID from CIBIL. Use this ID on their official portal to monitor your case status online.
• Outcome: Once the investigation is complete, CIBIL updates your report (if the lender confirms the error) and sends you an email on the final decision.

To Conclude

Your credit report is one of the key documents lenders rely on when evaluating your credit applications. Unauthorised or excessive enquiries can stay on your report for years and negatively impact your creditworthiness. Use the steps outlined in this guide to dispute any incorrect enquiries and ensure your credit profile remains accurate and error-free.

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FAQs

What role does my credit history play when lenders assess my credit report?

Lenders examine your long-term credit behaviour to understand stability. A strong and consistent history helps you qualify for a loan or credit card with better terms.

How often do credit institutions share updated credit data with TransUnion CIBIL?

As per RBI rules effective January 2025, credit institutions must report data to TransUnion CIBIL every 15 days.

Can my credit score improve if I reduce outstanding dues across several loan accounts?

Yes. Lowering your overall outstanding balance helps enhance your credit profile. Lenders view disciplined repayment positively, and this may support a good CIBIL score.

Does checking my free CIBIL score from credit information companies affect my report?

No. Checking your own CIBIL score is considered a soft enquiry and does not affect your credit score immediately or impact future credit applications.

Which documents are useful to support a dispute request regarding account ownership?

Identity proof, loan statements, and account closure letters are useful. These help the concerned lender verify account details and facilitate the necessary corrections through the dispute resolution process.