India Credit Report Checker (CIBIL Report Error Finder)

About the India Credit Report Checker (CIBIL Report Error Finder)

Your credit report decides whether you get a loan or a card, and at what rate — and mistakes on it happen: a loan you closed still shown as active, a “settled” label on a loan you paid in full, a late payment you made on time, an enquiry by a lender you never applied to, or someone else’s account mixed into yours. This checker opens the credit report PDF from TransUnion CIBIL, Experian, Equifax or CRIF High Mark on your device — asking for the password when the file has one — and lists every account, enquiry and personal detail it can read, so you can check each row against the report.

Then it runs the checks: accounts you do not recognise; accounts you closed but shown as open or with money still owed; days past due (DPD) reported, and late payments after closure; settled, written-off, restructured or suit-filed labels; the same account shown twice; enquiries you did not make; a name, date of birth or PAN that differs from yours; and an address you mark as one you never lived at. It works out how much of your credit card limits you use and the share of months paid on time. Tick what to dispute and send it straight to the Credit Report Dispute Letter Generator, which writes the letters to the credit information company and the lender.

It is not a credit score, and nothing is uploaded. The free preview shows every count and figure with the first rows of each list; a Pro pass unlocks the full lists, the Excel and CSV downloads and the hand-over to the letters.

Common uses

• Checking your report before you apply for a home, car or personal loan.
• Finding why an application was refused, or why the rate offered was high.
• Making sure a loan you closed or settled is reported correctly.
• Spotting accounts or enquiries that may be fraud in your name.

How it reads the report

Reports print each field as a label and a value — “MEMBER NAME: HDFC BANK”, “Date Opened 01-01-2018”, “Current Balance ₹12,345” — on one line, or as a row of column headings with one account or enquiry per row under it. The checker knows the labels the four companies use, splits each line at them and reads tables by their columns. It never guesses: a field it cannot find stays empty, every account is shown for you to check, and when a layout cannot be read you can enter the accounts by hand and every check still works. The reader has been checked on example layouts, not on every version of every company’s report, so compare each row with your PDF.

Reading the payment history

The payment history (days past due, DPD) has one entry per month, newest first in most reports: 000 means paid on time, a number such as 030 or 090 means the payment was that many days late, STD is a standard account, SMA, SUB, DBT and LSS are the asset classes of overdue, substandard, doubtful and loss accounts, and XXX means the lender reported nothing for that month. The checker counts the months reported and the months past due, and flags late entries after the account closed when the report prints the months.

What to do with what it finds

Raise the dispute with the credit information company — usually through the dispute form on its website — and with the lender that reported the information. Under the RBI’s framework, a complaint must be resolved within 30 calendar days of when you first filed it, or you are entitled to ₹100 for every day of delay, and you must be told the reasons for any rejection (RBI framework). If it is rejected or not resolved in time, the RBI Ombudsman covers credit information companies: the Ombudsman Complaint Generator writes that complaint. The Credit Report Dispute Letter Generator writes the dispute letters from the items you tick here.

Credit card use and on-time payments

Credit card use is the total balance of your open credit cards divided by their total limits, from the figures in the report. Paid on time is the share of reported months, across all accounts, with no days past due. Both come from your report as it stands — they are not a credit score, which each company calculates its own way.

Limitations

• Not a credit score and not financial advice: it reads what your report says, and cannot see the companies’ records.
• The reader has been checked on example layouts, not on every version of every company’s report. Check each row: what it cannot read stays empty, and you can correct or add accounts by hand.
• Scanned or photographed reports have no text to read; download the PDF from the company’s website instead.
• Late payments after closure are checked only when the report prints the month of each entry.

Privacy

On this device; its files download once

Your report is read in your browser and never uploaded; its password is used only to open the file and is not kept. The details and marks you enter stay on this page and are not stored. A hand-over to the dispute letters passes the items you tick to that page through this browser’s session storage.