CIBIL
Why Do CIBIL, Experian, Equifax and CRIF Scores Differ?
Same person, four different credit scores. Here's the real reason CIBIL, Experian, Equifax, and CRIF never quite match, and which one to trust.
CreditReveals6 min read
Free credit education · India
Fix your credit report yourself —
no agency, no fees, no confusion.
CreditReveals gives you the tools, templates, and guides to dispute errors across all four RBI-authorised bureaus — and actually get them resolved.
4
Credit bureaus
CIBIL · Experian · CRIF · Equifax
₹0
Cost to dispute
Completely free, always
30
Days to resolve
RBI mandated maximum
100%
DIY — no agency
You stay in full control
Free tools
Everything you need to fix your credit report
Dispute email drafting tool
Generate a ready-to-send dispute email for any credit bureau or lender — structured, professional, and specific to your issue.
Financial institution directory
Direct grievance email addresses for every major bank and NBFC in India. No more searching — contact them straight.
Get your free credit report
Step-by-step instructions to access your annual free report from all four RBI-authorised bureaus — CIBIL, Experian, CRIF and Equifax.
Latest guide
How it works
Fix your credit report in 4 steps
01
Download your free report
Get your report from any of the four bureaus — free once a year per bureau, no credit card needed.
02
Spot the error
Look for unknown accounts, wrong balances, outdated status, or personal details that don't match.
03
Generate your dispute email
Use the drafting tool to build a structured, professional dispute email addressed to the right bureau or lender.
04
Send and track
Send directly from your email client. Bureaus must resolve disputes within 30 days under RBI rules.
Guides
Recent credit repair guides
How to Remove an Unknown Loan Account From Your CIBIL Report
Spotted a loan on your CIBIL report you never took? Here's why unknown accounts get reported and the exact escalation steps to get one removed.
Sarthak Chakraborty10 min read
How to Read Your CRIF Highmark Credit Report (Simple Guide)
CRIF report has a few sections CIBIL and Experian don't show at all. Here's a plain-language, section-by-section walkthrough of what everything means.
Sarthak Chakraborty8 min read
How to Read Your Equifax Credit Report (Section-by-Section)
Equifax report looks different from CIBIL but works the same way underneath. Here's a plain-language breakdown of every section, code, and status.
Annanya Ghosh9 min read
Coverage
All four RBI-authorised credit bureaus
Dispute templates, email contacts, and step-by-step guides available for each bureau.
Found an error in your credit report?
Generate a professional dispute email in under 2 minutes — free, no account needed.