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Fixing CIBIL Errors Can Boost Scores Faster Than New Credit Behaviour
Correcting bureau data errors can increase CIBIL score by 20–50 points without changing behaviour.
Nearly 1 in 5 credit reports contain an error ranging from wrong loan amounts to accounts not belonging to the borrower.
Correcting such errors via the CIBIL online dispute process can lead to a 20-50 point increase if the error is materially affecting utilisation or repayment history. Always download your complete bureau report every 6 months and scan for loan balances, account status labels and payment markers.
Resolving an error is often the fastest and lowest risk way to lift score health immediately.