How to remove an enquiry from CIBIL report?

If you notice a credit enquiry that wasn’t as a result of your loan or credit card application, it could be due to the following reasons:

It can also happen if you opted for the buy now pay later option; the enquiry may appear under a different lender’s name. You may need to check the bank with whom these entities may have partnered.

If the credit enquiry remains unexplained, it is important to take action immediately.

Step-by-Step Process to Raise a Dispute with CIBIL:

1. Log in to your CIBIL account
2. Go to “Dispute Center” and choose “Dispute an item”
3. Navigate to the “Enquiry” section and choose the incorrect enquiry.
4. Select the “Raise a Dispute” option.
5. Fill in all the details and submit.

The dispute resolution process may take up to 30 days. The timeline depends on the response from the concerned financial institution. You can check the status on your CIBIL dispute dashboard.

If you noticed an incorrect enquiry, you can raise a complaint with the concerned lender by following these steps:

Contact the bank or financial institution

You can also check with the involved bank or financial institution regarding credit enquiries. Ask them why the enquiry was made. If they failed to provide proper justification, you can request them to inform CIBIL to remove the credit enquiry.