Visit the Official CIBIL Website Here - https://myscore.cibil.com/Cred... As per the RBI guidelines, every credit bureau is required to provide one free credit score refresh every year to individuals

Post successful sign-up/login You can refresh to get the latest data, including Credit Score, Enquiry, Personal Information section, etc

This is how the 'Enquiry Information' section looks. Good To Know: Every time you apply for any kind of loan or credit card, the financial institution (eg, Bank) makes a hard inquiry against your PAN that gets reported to credit bureaus.

Many times, agents and banks conduct enquiries without the explicit consent of the customers. Note that hard enquiries affect your credit score negatively, so it's important to review your credit report once a quarter and dispute any account or enquiry you don't recognise.

How To Dispute Such Enquiries? Official Link : https://myscore.cibil.com/Cred... Access Dispute Form > Credit Application History > I have not applied for these loans / credit cards > Find Solution > Raise a Dispute

Select the wrong enquiry/information and proceed You also need to submit bank account details here Why? Because, Banks need to pay customers a compensation of ₹100 per day if a complaint about a credit information dispute is not resolved within 30 days of filing

I had one such enquiry from a well-known bank that I never consented to, escalated the same on Oct 1 and it was resolved by October 8, 2025 The same entry was removed from my credit report.

In case your issue is still not resolved even after the dispute You can raise the same with the Nodal Officer / Principal Nodal Officer of your concerned bank Find the details here - https://www.cibil.com/nodal-of... Still not helpful? Raise with RBI Ombudsman - #eng class="text-blue-500 hover:underline" target="_blank" rel="noopener noreferrer">https://cms.rbi.org.in/cms/ind...

Disc: No promotional content, only for educational purpose And that's all for today. I hope you enjoyed reading and discovered something helpful. Follow @Ravisutanjani for more such informational posts Subscribe on WhatsApp for spam-free useful updates: https://whatsapp.com/channel/0...

@Ravisutanjani Is this free website ?? On my desktop this is showing plans for monthly, 6 Month, One year, And my data shows very old like Dec-2023. No Refresh Button.

@WinWithVijay Only one refresh is free every year as per RBI norms But dispute is free for everyone post login PS - I have paid subscription with unlimited refresh

@Ravisutanjani For me it's showing a few loans which I haven't taken and not even paying them. However, it's marked a payment on time for every month. Is there a way to figure out this and stop this?

@MalakShah01 Yes, dispute immediately and raise with the Bank/RBI too

@Ravisutanjani Valuable information on disputing CIBIL errors. Well-researched and useful.

@BharatStockLive Hope this helps

@Ravisutanjani Appreciate Ravi. Your posts are to the point, informative and more importantly useful

@SandeepCoasty 🙏

@Ravisutanjani Asking to subscribe on the create an account page.

@Randomm__stufff Dark pattern by CIBIL Look under the note section in the bottom

@Ravisutanjani Is true that Seeing CIBIL again and again it decreases your score?

@NikhilA1412 Not at all, that's a soft enquiry and doesn't impact credit score. However, don't use third-party apps. Only use the official website of CIBIL, Experian, etc

@Ravisutanjani Your thread is gaining traction! #TopUnroll https://threadreaderapp.com/th... 🙏🏼@aviator365 for 🥇unroll

@Ravisutanjani Most people don’t realize a small CIBIL error can ruin loan chances. Great reminder to check reports regularly and dispute mistakes early! 💯

@Ravisutanjani Cibil is American company, who sold our Data

@Ravisutanjani Axis Bank Employees Did Hard Enquiry For Business Loan With Out My Consent , Axis Pno And Cibil Disputes Are Telling It Was Done Based On My Consent, I Asked Proofs - Giving Copy Paste Replies , Can You Tell Me Detailed Process To Complaint RBI ??

@Ravisutanjani Cibil name become famous like Bisleri, But Banks see's Experian Score to give Loan, Such horrible thing happaning

@Ravisutanjani My account has someone else’s name , address and loans that I have not taken . Filled the dispute form but no response. Will ombudsman help ?

@Ravisutanjani A few days ago, a similar incident happened to a friend of mine, multiple small loans were showing up on his CIBIL report that he never actually took https://x.com/amitmahtha8/stat...

@Ravisutanjani Will check this later

@Ravisutanjani CIBIL is nothing but a pile of junk and these shameless people have the courage to charge for fake reports

@Ravisutanjani Very informative post. Thank you. I logged in and found there were 5 discrepancies in my account. Raised 5 disputes for correction. I hope the incorrect loan deletions will improve my credit score.

@Ravisutanjani Recently i applied for a credit card. However it was neglected saying that my salary is too High/ over leverage. However, my cibil score was reduced by 30 points.

@Ravisutanjani While creating a CIBIL account it is showing to subscribe?