Why doesn’t Bureau change the data when customer submits NOC given by bank rather than raising to Financial Institution?
As a bureau we are not authorised to change any information on the report as we operate on the data submitted by the financial institution
Why do I see 2 PANs against my account, Phone number or any other variation in my credit report?
As a bureau we are dependent on the data submitted by the bank, hence if you see multiple demographic details, request you to check with your financial institution
I have closed all my accounts on time with my financial institution and have NOC. Why is it still showing as outstanding on my credit report?
Have you closed this account recently in 30-45 days?
Usually, it takes 30-45 days for the financial institution to submit the data to bureau, request you to wait till 45 days and generate a fresh report and if the issue persists you may raise a dispute
Why is my account not been updated for more than 60 days?
Have you checked this information in the report generated within last 30 days?
Usually, data gets updated on periodic basis which usually takes 45-60 days to update. If it has been more than 60 days, please raise a dispute
Why is my Account not reflecting in credit report?
If this account has been disbursed recently this shall get updated in 45-60 days as financial institution submits the data on periodic basis
By any chance if the account has been disbursed before 60 days or more you may raise a dispute
Why is same account reflecting twice in credit report?
Have you checked if the unique account number is same for both accounts?
If the account numbers are not similar, then possibly these accounts are two different accounts
By any chance the account numbers are similar you may raise a dispute
Why is my Account status is showing as Written-off/Settled/Suit filed/Restructured/wilful even though it has been closed?
If you have recently made the payment or closed the account this shall get updated in next data submission cycle
If this has been completed more than 60 days ago, you may raise a dispute
Why is my account showing incorrect delay payment when I have done the payment on time?
We are the custodians of the data which is reported by the financial institutions to bureau, and we do not have any authority to make any changes to the data reported by the Financial Institution. By any chance if you have not missed any payment and you have NOC from respective financial institute you may raise a dispute