{"id":643,"date":"2022-11-19T15:25:23","date_gmt":"2022-11-19T09:55:23","guid":{"rendered":"https:\/\/credittriangle.com\/blog\/?p=643"},"modified":"2024-01-31T23:24:34","modified_gmt":"2024-01-31T17:54:34","slug":"ensure-that-your-credit-report-is-free-of-errors","status":"publish","type":"post","link":"https:\/\/credittriangle.com\/blog\/ensure-that-your-credit-report-is-free-of-errors\/","title":{"rendered":"Ensure that Your Credit Report Is Free Of Errors"},"content":{"rendered":"

\"\"<\/p>\n

Reviewing your credit report regularly helps avoid any set back to your
\nfinancial goals.\u00a0To understand this better, let us consider a case:
\nRajiv Khanna had been saving for five years to buy an apartment. He was overjoyed
\nwhen he found his dream home. However, Rajiv was in for a shock when he
\napproached a housing finance company for a home loan. His loan application had
\nbeen declined because as per his credit report<\/a> he had an outstanding of Rs 23,000
\nwith a credit card company, overdue for 2 years.<\/p>\n

Rajiv was taken by surprise as he had been paying his credit card dues on time, ever
\nsince he had taken the card, 10 years ago. Clearly, there was some mistake in his
\ncredit report.<\/p>\n

Rajiv immediately applied for a copy of his credit report from the Credit Bureau.
\nReviewing his credit report helped him identify the problem. He had applied for a
\ncredit card three years ago. Though the salesman had assured him that it was a
\nlifetime-free card, an annual fee had been charged in the first statement itself.
\nOn contacting the bank, he was told that the fee could not be waived. \u00a0He informed
\nthe bank that he was not interested in the credit card, and personally delivered the
\ncancellation letter along with the credit card (cut into two pieces) to the bank. Since
\nhe did not receive any further statement from the bank, he assumed that the matter
\nwas over.<\/p>\n

However, his credit report showed that the original fee (on the credit card) of around
\nRs 1,000 had grown to Rs 23,000. The credit card that he had forgotten about was
\ncoming in the way of purchasing his dream home.<\/p>\n

Does this scenario seem familiar? What should be done in a situation like this?<\/p>\n

First and foremost get a copy of your credit report and review it. On identifying any
\nerror, the same needs to be reported to the Credit Bureau.\u00a0It is advisable to also call
\nup the concerned lending institution and send a mail to the grievance redressal<\/p>\n

officer. As per the Credit Information Act, you should get a response within 30 days
\nof your communication to the grievance redressal officer. On receiving the response,
\nthe same should be sent across to the credit bureau for rectification. In the event of
\nnot receiving a response or not receiving a satisfactory resolution from the lending
\ninstitution, the issue may be escalated to the Banking Ombudsman (BO), appointed
\nby the Reserve Bank of India.\u00a0If the resolution provided by the Banking Ombudsman
\nis not satisfactory, you can appeal to the Deputy Governor of the RBI. A borrower
\nhas the right to move the matter to a consumer court in case he is not satisfied even
\nafter the intervention of the RBI.<\/p>\n

So what finally happened in Rajiv\u2019s case? He sent a strong complaint letter to the
\nbank, and after some follow-ups managed to get the error rectified in the credit
\nbureau\u2019s report. With his credit history clear, he finally managed to get his loan
\napproved.<\/p>\n

To avoid getting into such a situation, review your credit report<\/a> regularly. This helps
\nin not just maintaining good credit health, but also in identifying any errors at an early
\nstage and taking corrective action.<\/p>\n

Credit Triangle is a one-stop solution for all your credit and finance needs. We help
\nyou with credit health management, repair, and improvement.<\/p>\n","protected":false},"excerpt":{"rendered":"

Reviewing your credit report regularly helps avoid any set back to your financial goals.\u00a0To understand this better, let us consider a case: Rajiv Khanna had been saving for five years to buy an apartment. He was overjoyed when he found his dream home. However, Rajiv was in for a shock when he approached a housing…<\/p>\n","protected":false},"author":2,"featured_media":644,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,42,232,54,215],"yoast_head":"\nEnsure that Your Credit Report Is Free Of Errors - Credit Triangle<\/title>\n<meta name=\"description\" content=\"Unlock financial potential with Credit Triangle! 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