CIBIL Customer Care

CIBIL offers detailed helpline support for its customers through the CIBIL customer care support feature, enabling you to contact and resolve issues, disputes, and complaints regarding your credit report.

Operated by TransUnion CIBIL, the CIBIL score is one of the prominent credit scoring schemes used widely in India by lenders to assess the creditworthiness of credit applicants. They generate a comprehensive report of the applicant’s past credit usage. If you notice any errors or discrepancies in your CIBIL report, you can raise a dispute and get them resolved through the tools and support options provided by CIBIL’s customer care services.

Read on to learn more about the CIBIL customer support and how to raise any issues if you have them with it.

Table of Contents:

• ⇾ CIBIL Customer Care Number & Email Support
• ⇾ Reasons to Contact CIBIL
• ⇾ CIBIL Report-Related Queries
• ⇾ CIBIL Score-Related Queries
• ⇾ Steps to Raise a CIBIL Dispute Online
• ⇾ Tracking Your CIBIL Dispute Status
• ⇾ Tips for Quick CIBIL Dispute Resolution
• ⇾ CIBIL Grievance Redressal
• ⇾ CIBIL Office Address & Contact Details
• ⇾ Frequently Asked Questions

CIBIL Customer Care Number & Email Support

As a part of faster support, CIBIL offers various methods to contact the customer support feature. For quick assistance with credit reports, disputes, or score-related queries, CIBIL provides dedicated customer care through both phone and email, using which you can raise complaints online to CIBIL.

The following are the respective data and related information:

Note: Unfortunately, CIBIL does not provide a toll-free number to contact or modern services like WhatsApp communication regarding the CIBIL scores or customer service yet.

Reasons to Contact CIBIL

There can be many reasons why you should contact CIBIL customer care. Let’s go through some cases below:

• Incorrect personal details on your credit report
• Unfamiliar or unauthorised loans or accounts
• Closed accounts still showing as active
• Duplicate account entries in your report
• No update or delay in dispute resolution
• CIBIL score not updating after loan repayment
• Issues accessing your CIBIL account or report
• Discrepancy in your displayed credit score
• Clarification on how your score is calculated
• Confusion about report entries or account status

CIBIL Report-Related Queries

If you notice incorrect or outdated information in your CIBIL credit report, such as wrong personal details, duplicate accounts, or closed loans showing as active, you can raise a dispute directly through the official CIBIL website or by contacting their customer support system.

Common report-related issues include:

• Incorrect personal information (name, PAN, address, etc.)
• Duplicate or wrongly listed accounts
• Incorrect account status (e.g., "written-off" or "settled")
• Unfamiliar or unauthorised loans/credit cards
• Closed loans still showing as active

To resolve such issues, access your latest report through your CIBIL dashboard, identify the error and raise a dispute from the website.

CIBIL Score-Related Queries

Your CIBIL score is a three-digit numeric summary of your past credit usage. If you believe your score does not reflect your credit behaviour accurately, it may be due to incorrect or delayed reporting from a lender or some other reason.

Common score-related concerns include:

• Sudden drop in the core without a clear reason
• Score not updated after loan repayment
• Confusion about score calculation or range

What you can do in case of such an error is,

• Check your full report to identify if any incorrect account data is affecting your score.
• Raise a dispute through your CIBIL account if you find inaccuracies in the data affecting your score.
• Understand that the score itself is auto-generated and not manually adjustable by CIBIL.

Note: In both cases, CIBIL does not provide manual score corrections or modify data itself. Your score updates once corrected data is received from the lender.

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Steps to Raise a CIBIL Dispute Online

If there are any mistakes in your CIBIL report, such as incorrect account details, inaccurate payment history, or outdated personal information, they can affect your credit score and loan eligibility.

In such situations, TransUnion CIBIL offers streamlined dispute resolution support. The following are the steps to raise a CIBIL dispute online:

Step 1: Log in to myCIBIL (www.cibil.com) using your username and password.

Step 2: Navigate to the credit reports section. There you will find ‘dispute centre’ and click on ‘dispute an item’.

Step 3: Click on the specific section you want to dispute.

Step 4: Choose your dispute type

Step 5: If the dispute is based on data inaccuracies, enter the value in the respective field.

Step 6: Click on ‘submit’.

You will receive a dispute summary along with the field name, details of the dispute, the status of the dispute, and the dispute ID as an email confirmation.

Note: Keep the dispute ID from your confirmation email handy for quick access. You can also raise multiple disputes in a single section.

Suggested Read: Credit Score Range

Tracking Your CIBIL Dispute Status

The turnaround time for a dispute settlement is around 30 days from the date of dispute registration. The applicant will receive a status update from noreply@transunion.com on their registered email ID when the dispute is resolved.

You can follow the steps below to track our CIBIL Dispute Status:

1. Visit the official website of the CIBIL score.
2. Log in using your username and password.
3. In the pending dispute section, enter your dispute ID.
4. A dashboard will open up where you can view your updates.