Something wrong on your credit report?

Four different problems, four different routes

Answer a few short questions. You'll see who needs to act, what to keep ready, which official channel to use and what happens next.

• Something on the report is wrongFor example, a closed loan still shown as open.
• Something you never applied forAn account, card or enquiry that isn't yours. This may be fraud.
• Entries that are correct but hurting youAccurate information isn't something to dispute.
• Nothing is wrong, but the score is lowA score isn't an entry you can dispute.

We don't ask for your PAN, Aadhaar, account numbers, your lender's name or your report, and there's nothing to type in. Your answers stay in this browser tab. They're gone when you refresh or close it.

First, check your report

What's going on?

Some examples to help you choose

What kind of error is it?

One check about "settled"

"Settled" usually means the lender agreed to accept less than the full amount owed. If that's what happened, the entry may be accurate.

What was your link to it?

A shared account can appear on more than one person's report. That alone isn't fraud.

Is the entry itself wrong?

Co-borrowers, guarantors and add-on holders can see the shared account on their own report.

Correct information isn't something to dispute

A dispute is for information that's wrong. If an entry is accurate, disputing it isn't the route. What helps is how you handle credit from here.

A score isn't an entry you can dispute

Your score is calculated from the entries on your report. If every entry is right, there's nothing to correct.

Who needs to act

What to keep ready

Nothing is uploaded here. This is a list to gather for the official forms.

Where to go, in order

Timelines the rules set

If it isn't fixed

Your plan

This is only on your screen. Copy or print it if you want to keep it. Nothing is saved.