CRIF High Mark Dispute Resolution: How Long It Takes to Fix Your Credit Report

Having any delinquent missed payments in your credit report can be worrying, especially when it affects your creditworthiness or your ability to secure new credit. At CRIF High Mark, we understand how important it is to have an accurate credit history.

Whether you need to dispute credit history, remove unsolicited inquiries, or correct personal information, the dispute process is designed to be simple, transparent, and time-bound.

Here’s a detailed look at how long it takes to resolve a CRIF High Mark dispute, what happens at each step, and how you can ensure faster resolution.

Step-by-Step Dispute Submission

Filing a dispute through the CRIF High Mark portal takes only a few minutes if you have your documents ready. Here’s how you can initiate your CRIF Highmark dispute online:

• Log in to the CRIF High Mark Portal: Use your registered credentials to access your account.
• Click on “My Report”: Select the “Raise a Query” tab.
• Choose the Credit Report: Select the report on which the dispute is to be raised and click “Proceed.”
• Select the Specific Item to Correct: Identify the account or information you wish to dispute.
• Submit Your Request: Review your details and click “Submit” to raise the dispute.

Once submitted, you’ll receive a service request number or ticket ID at your registered email. This number is essential for tracking your dispute throughout the resolution process.

What Happens After You File a Dispute

Once we receive your grievance, the internal grievance resolution process begins. A service ticket ensures that your query is logged in the system, and all communication is tracked efficiently.

We shall investigate your dispute by verifying details with the concerned lender or data provider. This ensures that every correction made to your credit report is based on validated and verified data.

As per compensation frameworks, every consumer grievance is resolved within 30 days of receipt. You’ll receive a confirmation and resolution update through email once the case is closed.

Time Frame and Resolution Process

The credit bureau dispute time frame typically involves three main stages:

• Acknowledgement: Immediately after submission, you’ll get a confirmation email with your ticket number.
• Verification: CRIF High Mark reaches out to the relevant financial institution or lender to confirm the reported information.
• Closure and Communication: Once the lender responds, we update your report (if the dispute is validated) and notify you via email.

If you’ve raised a credit inquiry removal or hard inquiry removal request, this verification step is crucial. Only after the lender confirms that the inquiry was unsolicited, can we remove it from the credit report.

When You Can Escalate Your Complaint

If your complaint isn’t resolved within 30 days or if you’re not satisfied with the response, you have the right to escalate it. You may raise a complaint with the Reserve Bank of India (RBI) as per the Integrated Ombudsman Scheme 2021.

Here’s how you can do that:

• Pay on Time, Every Time: Timely EMI payments are the single most important way to protect and increase credit scores.
• Visit the RBI CMS Portal at https://cms.rbi.org.in.
• File your complaint online or send it physically in the prescribed format (Annexure A) to the mentioned address.
• You can also contact the RBI Contact Centre on toll-free number 14448 (9:30 AM to 5:15 PM) for assistance in Hindi, English, and eight regional languages.

This platform provides a cost-free alternative grievance redress mechanism for consumers and ensures your concerns are handled transparently and fairly.

Multiple Levels of Support

CRIF High Mark provides a structured escalation mechanism to ensure every concern is addressed effectively:

• Level 1: Individual Consumers – Contact CRIF High Mark’s support for general queries or dispute tracking.
• Level 2: Nodal Officer – Escalate unresolved or complex issues.
• Level 3: Principal Nodal Officer – For high-priority or unresolved grievances requiring immediate attention.

At every level, you’ll be guided by trained representatives who help clarify the dispute process, document requirements, and the status of your CRIF High Mark dispute.

How to Track and Strengthen Your Case

To make your dispute resolution smoother:

• Always check your credit report regularly.
• Keep your dispute reference number handy for follow-ups.
• Avoid duplicate submissions, as these may delay resolution.

Being proactive helps not only in correcting errors but also in maintaining your financial health. When discrepancies are fixed promptly, it positively contributes to your efforts to increase and maintain a good credit score over time.

Moving Forward with Confidence

A CRIF High Mark dispute doesn’t just correct your records; it restores confidence in your financial journey. While the credit bureau dispute time frame ensures you get a resolution within 30 days, staying informed, proactive, and patient can make the process seamless.

Your credit report is a reflection of your financial reliability. By understanding the process, timelines, and escalation paths, you can protect that reflection, ensuring it always accurately and positively represents you.

Disclaimer: This information is provided solely for consumer awareness and does not create any obligation on the company to offer any service. For more details, customers may refer to the Consumer Grievance Redressal Policy available on our website

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