Your CRIF Highmark credit report is one of the most important documents lenders look at when you apply for a loan, credit card, or even a higher credit limit. It contains details about your repayment history, active loans, outstanding balances, and more. But what happens when you find errors in your report—like a loan you’ve already paid off still showing as active, or an overdue amount that doesn’t actually exist?
Mistakes in your credit report can hurt your chances of getting new credit and even lower your credit score. The good news is that you can raise a dispute with CRIF Highmark to fix these errors. Here’s a complete guide on how to raise a CRIF Highmark credit report dispute, step by step, and what happens after you file one.
Why It’s Important to Check Your CRIF Credit Report
Your credit report is constantly updated by lenders who share information about your loan and credit card activity. But sometimes, due to technical errors, delayed updates, or incorrect reporting by lenders, you might find:
- Loans showing as active even after closure
- Incorrect overdue balances
- Duplicate accounts
- Mistakes in personal details like name, PAN, or date of birth
- Incorrect or outdated repayment status
These mistakes can hurt your creditworthiness and even lead to loan rejections.
RupeeQ Tip: Check credit score and detailed report for free using RupeeQ ACE. It not only provides your CRIF score but also gives advanced insights into what’s helping or hurting your score and personalized suggestions on improving it.
What Errors Can You Dispute?
If you find any of these errors, you should raise a dispute immediately:
- Active loans you’ve already paid off: Closed loans should be reported as closed with a zero outstanding balance.
- Wrong outstanding balance: Even small discrepancies can impact your credit score.
- Missed or late payments wrongly reported: A payment you made on time showing as late.
- Incorrect personal details: Name, date of birth, PAN, or address errors.
- Duplicate accounts: Same loan or credit card reported twice.
- Accounts that don’t belong to you: Accounts that you never opened.
How to Raise a CRIF Report Dispute with CRIF Highmark
Raising a dispute is a straightforward online process. Here’s how you can do it on the CRIF Highmark website:
Log in to the CRIF Consumer Portal
Go to the official CRIF Highmark consumer portal and log in using your registered details.
Click on “My Report”
On your dashboard, click on the “My Report” tab.
Select “Raise a Query”
Under the “My Report” section, you’ll see the “Raise a Query” option. Click it.
Choose the Report
Select the specific credit report on which you want to raise the dispute, and click “Proceed.”
Pick the Information to Correct
Identify and select the account or information you believe is incorrect—this could be a loan, a credit card, or personal details.
Submit the Dispute
Click “Submit” to officially raise your dispute with CRIF Highmark.
How to Raise a Dispute via RupeeQ
If you’re a RupeeQ user, you can also raise a dispute using the RupeeQ portal. The steps are the same as above:
- Log in to RupeeQ and click on “My Report.”
- Select the “Raise a Query” option.
- Pick the report and the information you wish to dispute.
- Click “Submit.”
Your dispute will be routed to CRIF Highmark in exactly the same way as through their official portal. The best part? On RupeeQ, you can also check your CRIF credit score for free and get advanced credit evaluation with RupeeQ ACE—helping you understand how such errors might be affecting your score and what you can do to improve it.
What Happens After You Raise a Dispute?
CRIF Highmark has a grievance resolution process in place:
Service Request Generation: Once you submit your dispute, CRIF will generate a service request or ticket number and share it with you via email. Keep this number safe—you’ll need it to track your dispute status.
Verification and Investigation: CRIF will examine your query and may coordinate with the lender involved to verify the data.
Resolution within 30 Days: By RBI regulations, CRIF has up to 30 days to resolve your dispute. They will update you on the outcome via email.
Closure: Once the dispute is resolved, CRIF will close the service ticket and update your report accordingly if your claim is valid.
How Long Does It Take?
While the maximum allowed time is 30 days, many disputes are resolved in 2–3 weeks, especially those related to personal detail errors or closed loans.
Things to Remember Before Raising a Dispute
- Double-check your loan or credit card statements to confirm the error.
- Gather supporting documents like NOCs, lender letters, or bank statements if needed.
- Be patient—data corrections involve lender verification and may take some time.
RupeeQ Tip: After raising a dispute, don’t apply for new credit immediately. Wait until your report is updated so you don’t risk rejection due to old, incorrect data.
What Not to Do While Raising a Credit Report Dispute
- Don’t submit duplicate disputes for the same issue—it slows down processing.
- Don’t raise disputes without reviewing supporting documents.
- Don’t ignore your ticket number—it’s the key to tracking your request.
How Disputes Affect Your Credit Score
Raising a dispute itself does not affect your credit score. But once an error is corrected—especially overdue payments or closed loans still showing as active—your score may improve significantly.
A corrected report also improves your chances of getting better interest rates and higher loan amounts in the future.
Conclusion
Errors in your credit report can impact your ability to get loans, credit cards, and even affect interest rates. Thankfully, raising a dispute with CRIF Highmark is simple and free. You can do it directly on CRIF’s portal or via RupeeQ, where you can also check your credit score for free using RupeeQ ACE and get personalized tips on how to improve your credit health.
Keep your report error-free, and build a path toward stronger financial health and better borrowing opportunities.
FAQs on CRIF Highmark Dispute Process
Q1. Will raising a dispute hurt my credit score?
No. Raising a dispute has no negative impact. In fact, correcting errors can improve your score.
Q2. What documents do I need to submit with my dispute?
In most cases, you don’t need to upload documents initially. But if CRIF asks for proof, provide NOCs, account statements, or closure letters from lenders.
Q3. How will I know if my dispute is resolved?
CRIF will email you a resolution confirmation and update your report if your dispute is accepted. You can also check your report in RupeeQ’s dashboard after 30 days.
Q4. What if my dispute is rejected?
CRIF will provide a reason. If you believe the decision is incorrect, you can approach the lender directly with your supporting documents and request them to update CRIF.
Q5. Can I raise disputes for multiple issues at once?
Yes. You can select multiple accounts or issues in the same query when raising the dispute.
