How to Remove Credit Enquiries from CIBIL

You cannot remove valid credit enquiries from your CIBIL report. However, unauthorised, incorrect, or duplicate enquiries can be removed by...

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4.5_/5

15.6L Reviews

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Why Check Credit Score on Paisabazaar ?

Check Credit Score from All 4 Bureaus

Track Credit Score Seamlessly Every Month

Read Credit Report in Multiple Languages

How to Remove Credit Enquiries from CIBIL: Key Takeaways

Valid credit enquiries cannot be deleted manually
Only unauthorised/incorrect enquiries are removable
Hard enquiries stay on credit report (CIBIL & others) for 2 to 3 years
Multiple enquiries can lower your credit score temporarily
Impact reduces over time with good credit behaviour
Always verify unknown credit enquiries immediately
Dispute resolution typically takes up to 30 days

What is a Credit Enquiry in CIBIL?

A credit enquiry is recorded when a lender checks your credit report to evaluate and process your loan or credit card application. There are two types of credit enquiries, namely hard enquiry and soft enquiry.

Types of Credit Enquiries

Types	Hard Enquiry	Soft Enquiry
Triggered When	When you apply for any new credit line	When you check your own score or get pre-approved credit offers
Visible to Lenders	Yes	No
Impact on Credit Score	Can slightly reduce your credit score temporarily	No impact

Can You Remove Credit Enquiries from CIBIL?

There are certain types of credit enquiries that you can remove from your CIBIL report, as given below:

Credit Enquiries You Can Remove	Credit Enquiries You Cannot Remove
Unauthorised credit enquiries which you did not consent to Incorrect enquiries with wrong lender/date/details Duplicate entries of the same enquiry Removal of such credit enquiries happens only after verification by TransUnion CIBIL with the lender.	Genuine loan or credit card applications Credit enquiries made with your consent Rejected credit applications (still valid enquiries) These are part of your credit history, remain up to 2 to 3 years and cannot be deleted.

How to Remove Credit Enquiries from CIBIL: Stepwise Guide

Follow the steps given below to get a credit enquiry removed from your CIBIL report:

Step 1: Check Your Credit Report

Download your CIBIL credit report from Paisabazaar after logging in and review the ‘Enquiry Section’ within. You can also download your report from CIBIL.

Step 2: Identify Incorrect or Problematic Entries

Look for unknown lenders, duplicate entries, incorrect details like dates or amounts to find unauthorised entries. You can avail Paisabazaar’s services for assistance in identifying errors in your credit report and to get them rectified at the earliest.

Step 3: Raise a Dispute with CIBIL

Log in to CIBIL account and go to the CIBIL dispute portal. To submit a dispute resolution request online, fill in the respective form with the enquiry details, issue type and other necessary fields.

Step 4: Verification by CIBIL

Once the dispute is raised, CIBIL contacts the lender to verify the request.

Step 5: Resolution

If the credit enquiry is found to be incorrect after verification then it is removed or corrected. However, if the credit enquiry is valid, then it stays on your CIBIL report without any change.

Time Taken to Remove Credit Enquiries from CIBIL: Up to 30 days (as per RBI)

Typically, it takes a few days to a few weeks to remove an unauthorised credit enquiry from your CIBIL report, depending on lender response and verification.

Suggested Read: How to Resolve CIBIL Disputes

How to Improve CIBIL Score After Multiple Credit Enquiries

Here are some effective ways to improve your credit score:

Avoid applying for multiple loans or credit cards within a short span of time
Maintain 100% on-time EMI and bill payments
Keep credit utilisation low and avoid spending beyond budget
Build a strong credit repayment history by paying monthly credit bills in full by the due dates

How to Check CIBIL Score for Free with Paisabazaar?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit score purpose and credit score amount

Apply Now

How to Check CIBIL Score for Free with Paisabazaar?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit score purpose and credit score amount

Apply Now

FAQs

To avoid unnecessary credit enquiries, you should apply for credit only when necessary and avoid applying to multiple lenders simultaneously. You should also read the terms of the credit card or loan before clicking on ‘check eligibility’ that triggers a credit enquiry. You can also check for pre-approved credit card and loan offers at Paisabazaar, and apply for the one that suits you the best among them.

Only hard enquiries can affect your CIBIL score. While a single hard enquiry will have a minimal impact, multiple hard enquiries within a short time period will negatively affect your credit score as such frequent credit applications signal ‘credit-hungry behaviour’ which reduces lenders’ confidence.

You can get a credit enquiry removed from your credit report by CIBIL or other credit bureaus if you never applied for that loan or credit card, if you see multiple entries of the same enquiry, if there’s a fraud or identity misuse suspicion, or if the enquiry details are incorrect.

No, banks or lenders cannot directly delete credit enquiries from credit bureaus like CIBIL. Only CIBIL can update or remove such entries after verification from the respective lender.

Usually, credit enquiries remain visible for up to 2-3 years on CIBIL reports. Although their impact on your credit score reduces with time.