Accessing your CIBIL report is the first critical step toward understanding and improving your credit health in India. Here is a step-by-step process for individuals and companies to download their CIBIL report: First, go to CIBIL’s official site. Then click on ‘Get Your Free CIBIL Score & Report,’ or just ‘Get Report.’ You will then need to complete your information. This will include personal information such as your name, your date of birth, PAN card number, and address. The last verification step is to have a one-time password (OTP) sent via your the mobile number or e-mail you used when registering for the CIBIL service. After the verification and you can download your CIBIL report. The report is very helpful as it will have items that are errors or could be improved on. Although this seems very simple, understanding and acting on this report can be complex too. Credit Experts, from Bangalore but offering services all over India, helps its customers with this download process and even more including important analysis of the report, how to interpret the information, how to take action to improve your credit score or to dispute items to ensure your financial profile is accurate.
Name: Vinod Shetty
Location: Bangalore, Karnataka
Initial Credit Score: 586
HDFC Bank Credit Card: ₹1,20,000 marked written-off — actually settled.
ICICI Personal Loan: ₹2,40,000 showing suit filed — settled.
Axis Bank Auto Loan: ₹1,80,000 showing overdue — cleared in 2020.
HDFC Bank:
– Collected old settlement letter & receipt.
– Complaint filed at branch & by email.
– Escalated to Nodal Officer, raised dispute.
– Followed up every 3 days until updated.
ICICI Bank:
– Found original NOC.
– Complaint to Loan Manager & Recovery Desk.
– Escalated to Zonal Head, then RBI Ombudsman.
– Verified update on credit report.
Axis Bank:
– Final closure letter from files.
– Branch visit, service request logged.
– Reminder email & follow-up to regional desk.
– Verified overdue cleared.
Final Credit Score: 758
Days Taken: 42 days
Outcome: Approved for home loan from SBI with lowest slab rate.
Success Story by Credit Experts
Mr. Vinod Shetty’s credit report was corrected through expert guidance, documentation retrieval, and continuous follow-ups with respective banks and credit bureaus.
📌Please note: Every case is unique. Recommendations were given based on bank records, and all actions followed RBI-compliant procedures.
Name: Aarti Nair
Location: Chennai, Tamil Nadu
Initial Credit Score: 605
Issues / Errors in Credit Report:
Axis Bank Credit Card: ₹75,000 settled — still overdue.
SBI Personal Loan: ₹95,000 repaid — marked active.
HDFC Gold Loan: ₹55,000 closed — not updated.
Axis Bank:
– Found settlement letter & statement.
– Complaint online & dropbox.
– Escalated to Nodal Officer.
– Raised credit report dispute.
SBI Loan:
– Final repayment slip collected.
– Branch request for new NOC.
– Loan desk backend update.
– Verified status.
HDFC Gold Loan:
– Pledge closure letter.
– Branch Service Desk correction
– Call with loan manager.
– Status corrected.
Final Credit Score: 754
Days Taken: 38 days
Outcome: Top-up personal loan from HDFC with lower ROI.
Success Story by Credit Experts
Ms. Aarti Nair, credit report was corrected through expert guidance, documentation retrieval, and continuous follow-ups with respective banks and credit bureaus.
📌Please note: Every case is unique. Recommendations were given based on bank records, and all actions followed RBI-compliant procedures.
Name: Meera Iyer
Location: Coimbatore, Tamil Nadu
Initial Credit Score: 609
SBI Personal Loan: ₹85,000 overdue — paid.
Kotak Gold Loan: ₹40,000 active — gold released.
PAN Mismatch: old PAN spelling created duplicate entry.
SBI Loan:
– Closure letter from passbook.
– Written complaint at branch loan desk.
– Loan officer backend update.
– Verified overdue cleared.
Kotak Gold Loan:
– Gold release slip.
– Branch correction request.
– Email to loan team with KYC.
– Status closed.
PAN Mismatch:
– Latest PAN & Aadhaar copy.
– KYC correction form to bureau.
– Duplicate merged.
– PAN mapped correctly.
Final Credit Score: 754
Days Taken: 39 days
Outcome: Housing loan approved from Kotak with quick disbursal.
Success Story by Credit Experts
Ms. Meera Iyer, credit report was corrected through expert guidance, documentation retrieval, and continuous follow-ups with respective banks and credit bureaus.
📌Please note: Every case is unique. Recommendations were given based on bank records, and all actions followed RBI-compliant procedures.
[trustindex data-widget-id=”
“]Name: Ramesh Gowda
Location: Mysore, Karnataka
Initial Credit Score: 589
Kotak Mahindra Auto Loan: ₹3,50,000 closed — EMI bounce remark showing.
ICICI Home Loan: ₹5,00,000 showing overdue — paid off in 2020.
➡️ Kotak Mahindra:
– EMI clearance from passbook & statement.
– Branch visit, complaint filed.
– Nodal Officer email with proof.
– Dispute raised, remark removed.
➡️ ICICI Bank:
– Old closure letter found.
– Home Loan Desk complaint, docs submitted.
– Escalated to Regional Manager.
– Dispute with bureau, status cleared.
Name: Pooja Shah
Location: Pune, Maharashtra
Initial Credit Score: 601
HDFC Personal Loan: ₹1,00,000 duplicate entry — one shows overdue.
Bajaj Finserv Loan: ₹65,000 written-off — paid.
SBI Credit Card: ₹30,000 closed — minimum due showing.
➡️ HDFC Bank:
– Closure letter & receipt.
– Branch Service Desk update request.
– Nodal Office email.
– Monitored till fixed.
➡️ Bajaj Finserv:
– Final statement & mail.
– Ticket via portal + branch visit.
– Escalated to HO.
– Written-off corrected.
➡️ SBI Card:
– Zero due statement.
– Service request on app.
– Card Support call follow-up.
– Dispute, minimum due cleared.