Scorefixwala: frequently asked questions

Under RBI's compensation framework, a credit information complaint must be resolved within 30 calendar days of filing. The lender gets 21 days to send corrected data to the bureau and the bureau the rest. After the bureau updates the record, your score can take a few more days to refresh.

Yes. RBI's framework (circular of 26 October 2023, in force since April 2024) gives ₹100 per calendar day beyond 30 days. The lender pays if it didn't send the correction within 21 days, otherwise the bureau pays, and it must reach your bank account within 5 working days of resolution. If it is refused, you can complain to the RBI Ombudsman. Scorefixwala's escalation mode works out the amount from your dates and writes the claim.

Yes, if you really paid the full dues: send the lender your NOC and payment proof and dispute it with each bureau. If you did a one-time settlement for less, 'Settled' is accurate and a dispute will be rejected. The honest fix is to pay the waived amount, get a fresh NOC saying 'closed' and ask the lender to update the bureaus. The tool tells you which case you're in.

Bureaus don't change data on their own: they ask the lender, and if the lender confirms, the dispute closes. That's why the letter to the lender's grievance or nodal officer with your proof matters as much as the bureau dispute. If the lender confirmed wrong data, the escalation mode writes the re-dispute and the RBI Ombudsman complaint.

No. A dispute fixes errors. Accurate late payments, write-offs and settlements stay. Be wary of anyone who charges to 'clean' your CIBIL: only the lender can change what it reported. For a genuine one-off late payment you can ask the lender for a goodwill update, which it may refuse.

Yes, if the error shows on more than one. India has four bureaus (TransUnion CIBIL, Experian, Equifax, CRIF High Mark) and the US three (Equifax, Experian, TransUnion). Each keeps its own file. Fixing the lender's data usually fixes all of them, but file with each bureau that shows it.

Send a written dispute to each bureau under FCRA section 611; it has 30 days to investigate (45 in some cases) and must delete what it can't verify. You can also dispute directly with the creditor under section 623. For identity theft, an FTC Identity Theft Report lets you ask for a section 605B block, which the bureau must apply within 4 business days. If the bureau 'verifies' a wrong item, ask how it was verified and file a CFPB complaint.

Your first draft is free. A full case costs ₹149 in India or $3 in the US, one time, and includes 2 revisions. Filing a dispute with the bureaus, the RBI Ombudsman or the CFPB is free. No subscription.

No. You file it yourself on the bureau's website, by email to the lender, on cms.rbi.org.in or by mail in the US. That keeps it free, and you keep every acknowledgement. We don't need your credit report login.

The RBI requires resolution within 30 calendar days of the complaint. If it takes longer, you're entitled to ₹100 per day of delay.

A correctly reported settlement stays on the record, but if you pay the remaining dues, the lender can change the status to 'closed' and you can ask the bureaus to update it.