Your CRIF credit report is a vital document that reflects your financial credibility. It includes your repayment history, credit behavior, loan accounts, and overdue records. But like any system that relies on data inputs from multiple sources, errors can occasionally appear—like a paid loan showing as active or a missed EMI wrongly recorded.
If you’ve spotted an error, the natural next step is to raise a CRIF credit report dispute. But how long does it actually take for your dispute to be resolved? And what can you do to speed it up?
In this blog, we’ll walk you through the dispute resolution timeline, what happens during the process, and how to manage expectations effectively.
Why Disputes Arise in CRIF Credit Reports
Common reasons for raising a dispute include:
- A loan or credit card is shown as active even after closure
- Overdue amount shown even though payment has been made
- Duplicate entries or incorrect loan details
- EMI payments reported as missed, though paid on time
- Errors in personal information like PAN, name, or address
Even a small error can lower your CRIF credit score report and reduce your chances of loan approval.
RupeeQ Tip: Always check your credit report through RupeeQ ACE before applying for a loan. If something looks incorrect, raise a dispute right away to avoid rejections.
Dispute Resolution Timeline at CRIF Highmark
Standard Resolution Timeframe: Up to 30 Days
As per RBI guidelines, CRIF Highmark and other credit bureaus are required to:
- Accept and verify your dispute request
- Coordinate with the concerned lender
- Resolve the issue
- Inform you of the outcome
All of this must be completed within 30 calendar days from the date you raised the dispute.
Step-by-Step Credit Report Dispute Resolution Process
Step 1: Dispute Raised
You can raise a dispute through:
- CRIF Highmark Portal: Log in, click on My Report, and select Raise a Query.
- RupeeQ Platform: After logging in, go to My Report, click on Raise a Query, and follow the prompts.
Step 2: Ticket Number Generated
Once submitted, you’ll receive a service request number (ticket ID) via email. Keep this number safe—it’s used to track the status.
Step 3: Verification with Lender
CRIF verifies your dispute and forwards it to the respective lender for validation. The lender checks its records and responds back with confirmation or corrections.
Step 4: Report Update
If the dispute is found to be valid, CRIF updates your report accordingly and reflects the change in the next report cycle.
Step 5: Resolution Notification
You receive an email stating whether your dispute has been resolved and if your credit report has been updated.
RupeeQ Tip: Even after resolution, recheck your CRIF report after a few weeks to ensure the correction has been made accurately.
What Factors Affect the Timeline?
While the official resolution time is 30 days, actual resolution time may vary based on:
- Type of Dispute:
Disputes involving factual errors (like name correction) are often resolved faster than those involving loan repayment or overdue amounts. - Lender Responsiveness:
Some lenders respond quickly, while others may take more time, especially for older or closed accounts. - Supporting Documents:
If you have proof (e.g., NOC, payment receipt), sharing it early can speed up the process.
Can It Take Longer Than 30 Days?
In rare cases, yes—especially if:
- The lender doesn’t respond in time
- There’s a complex issue involving legal or regulatory aspects
- Multiple lenders are involved in verifying the data
If the 30-day period has passed and you haven’t received a resolution, you should:
- Follow up with CRIF using your ticket ID
- Contact the lender directly for status
- Escalate to the RBI Ombudsman if the delay is unjustified and affecting your credit access
How to Track Your Dispute Status
You can track your dispute through:
- The CRIF consumer portal using your ticket ID
- Your email (updates are usually sent automatically)
- RupeeQ dashboard, if you raised the query through RupeeQ
RupeeQ Tip: Avoid raising duplicate disputes for the same issue—it can confuse the tracking process and delay the resolution further.
Does the Score Update Immediately After Resolution?
No, the score typically updates in the next reporting cycle, which is usually 30–45 days after your report is corrected. So if your loan is marked as closed today, it might reflect in your score by the end of the following month.
Example:
You raised a dispute on June 1. It gets resolved by June 20. Your updated score reflecting the correction might appear in your RupeeQ dashboard by mid-July.
What If the Dispute Is Rejected?
Sometimes CRIF or the lender may reject the dispute if:
- They have records that contradict your claim
- You don’t provide supporting documentation
- The issue isn’t due to a data error but a lender’s internal process
In that case, contact the lender directly to discuss further. If they agree to the correction, ask them to send a written update to CRIF.
Conclusion
Disputing errors on your CRIF credit report is your right—and resolving them can make a real difference to your credit score and loan eligibility. While the resolution process can take up to 30 days, staying informed and following up with the right documentation can speed things up.
Use RupeeQ ACE to check CRIF score regularly and track any errors or corrections. A clean, accurate credit report is essential for accessing better loan terms and financial opportunities.
Frequently Asked Questions
How long does it usually take to resolve a CRIF credit report dispute?
CRIF typically resolves disputes within 30 calendar days from the date of submission.
Will my credit score improve immediately after correction?
Not immediately. The score usually updates in the next reporting cycle, which can take 30 to 45 days post-resolution.
Can I raise disputes through RupeeQ?
Yes. Log in to RupeeQ, go to My Report, click Raise a Query, and follow the steps. Your request is forwarded to CRIF.
What documents can I submit to support my dispute?
Payment receipts, No Objection Certificates (NOCs), bank statements, and written communication from lenders can help support your case.
What if I disagree with CRIF’s final response?
You can escalate the issue to your lender or file a complaint with the RBI Ombudsman if you believe your dispute was wrongly closed.
