Home / Commons / Session kits / Credit reports and scores / Handout: India

Fluent · Handout

Credit reports and scores: India.

A take-home sheet for people at the session. Other countries: United States · United Kingdom · Canada · Australia · New Zealand · Philippines.

Moraph for Good · Fluent

Credit reports and scores: India

Handout · moraph.org/commons/sessions/fluent/credit-reports-and-scores

This sheet goes with the Credit reports and scores session. It is general information, not advice about your own situation.

Get your report

  • Use the free, official route below, not a search result.
  • You shouldn’t need a card number to see your own report.
  • Bureaus can hold different information, so check each one.

Read it line by line

  • Check your name, date of birth and addresses.
  • Look for accounts you don’t recognize, wrong balances and late payments that weren’t late.
  • Look for old debts that should have dropped off, and debts listed twice.

Dispute errors in writing

  • Contact the credit bureau and the company that reported the error.
  • Say what is wrong and why; send copies, never originals.
  • Keep a copy of everything, with dates, and follow up.

Scores and rebuilding

  • A score is calculated from your report; different bureaus give different numbers.
  • Paying on time and keeping balances well below limits generally help.
  • Paying someone can’t get accurate information removed; you can dispute errors yourself, free.

In India

  • A free report every year. Each credit information company (CIC) must give you one free full credit report, including your credit score, once a year (January to December), in electronic form after checking your identity. The link must be on the CIC’s homepage.
  • Scores. All CICs calibrate credit scores on the same scale, from 300 to 900.
  • Fixing errors. Ask the lender or the CIC to correct wrong information. Errors must be corrected at the source by the lender that reported them. If your complaint isn’t resolved within 30 calendar days, you are entitled to compensation of ₹100 for each extra day.
  • Alerts. CICs must send you an SMS or email alert when a lender or other member accesses your credit report, if they have your contact details. Lenders must also alert you when they report a default or overdue payment.
  • Where to complain. The RBI Ombudsman scheme covers credit information companies as well as banks. Complain to the company first; if it doesn’t reply within 30 days, or you’re not satisfied, you can complain free at cms.rbi.org.in or call 14448.

Official places to check:

  • Reserve Bank of India: www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12764
  • Reserve Bank of India: www.rbi.org.in/commonman/english/scripts/Notification.aspx?Id=1884
  • Reserve Bank of India: www.rbi.org.in/commonperson/English/Scripts/FAQs.aspx?Id=3407

More free official help in India: moraph.org/commons/help/financial-literacy/in

General information, not advice about your own situation. Checked 20 October 2026. If an official source says something different, it is right. Free to copy and adapt. moraph.org/commons/sessions/fluent/credit-reports-and-scores