Credit Repair FAQs - CreditReveals

Question 1

How to remove loan inquiries that I did not request?

Accepted Answer

Contact the lender shown in the inquiry and ask them to verify the request. If it was made in error, request them to withdraw it. Then dispute the inquiry with CIBIL for correction. Only the lender can confirm removal.

Question 2

What if a late payment is wrongly reported for a month I paid on time?

Accepted Answer

Collect payment proof from the lender and raise a dispute on CIBIL. Once the lender verifies your claim, the late payment entry is corrected in the credit report. This generally takes 30 days.

Question 3

Why is my CIBIL score not increasing even after clearing dues?

Accepted Answer

Score improvement takes time. Lenders update data monthly, so changes may appear after 30–60 days. Keep credit utilization low, pay bills on time, and avoid applying for multiple loans or cards simultaneously.

Question 4

How to remove a settled status from my CIBIL report?

Accepted Answer

A “Settled” remark can be removed only if the lender agrees to accept full and final foreclosure amount. After full payment of the remaining dues. Request a waiver letter or NOC from the lender and ensure they report the corrected status to CIBIL.

Question 5

How to fix incorrect personal details in my CIBIL report?

Accepted Answer

Upload identity documents (PAN, Aadhaar, etc.) while raising a dispute on the CIBIL portal. CIBIL forwards the correction request to the lender/bureau partner. Updates generally take 30 days.

Question 6

What should I do if a loan or credit card is showing that I never applied for?

Accepted Answer

Report it immediately to the lender as a potential error or fraud. Submit an identity proof and a written clarification. Then raise a dispute on CIBIL with all evidence. Incorrect accounts are removed once the lender confirms.

Question 7

How do I remove a Closed Loan that is still showing Active in CIBIL?

Accepted Answer

Ask the lender to update the loan status to “Closed” and provide a closure letter or NOC. If the lender delays, raise a dispute on the CIBIL portal with your closure proof. CIBIL updates usually reflect within 30–45 days.

Question 8

How to remove Amount Overdue from CIBIL?

Accepted Answer

Clear overdue amount and get payment proof. Wait 30-45 days for lender update. If unresolved, dispute via CIBIL portal with evidence. Note: Late payment history remains but impact reduces over time with good payment behavior.