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Omozing Answers › Scams and fraud
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
A credit bureau collects repayment data from lenders and turns it into your report and score. It doesn’t lend, approve or reject anyone, and it has no reason to ask you for money or codes over the phone. That makes fakes easier to spot than you might expect.
A general guide, not a list of every message a bureau sends. The test is simple: genuine messages give you information; scams ask you to give something.
| What they say | What is really going on |
|---|---|
| “Your CIBIL score will be blocked unless you verify now” | Scores aren’t blocked. This is a lead-in to ask for your OTP or card details. |
| “We can remove your default for a one-time fee” | No one can remove accurate entries for a fee. Errors are corrected free. See fee-based score repair. |
| “You’re on the CIBIL defaulter list” | Bureaus keep reports, not blacklists. Lenders decide; the bureau only reports what lenders send. |
| “Experian has pre-approved you for a loan” | Bureaus don’t lend. A “loan” that needs a fee first is a scam. See upfront-fee loan offers. |
| “Share your screen so we can fix your report” | Screen-sharing lets them watch your OTPs and banking app. Never install remote-access apps for a caller. |
You are entitled to one free full credit report from each bureau every calendar year, so checking the real thing costs nothing. Our guide on getting your full report free walks through it.
Sometimes the message is genuine and the news isn’t good: a bureau alert says your report was accessed and you didn’t apply for anything. That can be an early sign that someone is using your details. Don’t call any number in a forwarded message. Log in to the bureau directly, find the enquiry, and dispute it if it wasn’t you. Disputes are free and must be resolved within 30 days. Our explainer on how identity fraud reaches your report covers what to do next.
If you already shared an OTP or paid someone, call 1930 or file at cybercrime.gov.in straight away. The faster you report, the better the chance of freezing the money.
Enquiries and accounts that aren’t yours can be disputed for free. Here’s exactly how.
Try our free 2-minute test: 12 real-style messages. How many can you catch?
Bureaus mainly contact you by SMS or email about report access or a dispute you raised. Any caller asking for an OTP, PIN, password or a fee is not acting for a bureau.
No. Bureaus calculate your score from what lenders report. No one can sell you a higher score, and errors are corrected free.
No. Bureaus keep credit reports, not blacklists. Each lender reads your report and makes its own decision.
It may be genuine. Log in to the bureau directly, not via a link, and dispute any enquiry you didn’t make.
Report it under “Chakshu” on the Sanchar Saathi portal. If money was lost or you shared an OTP, call 1930 or file at cybercrime.gov.in.
Next questions people ask:
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. Loans are subject to credit assessment. See our regulatory disclosures and grievance redressal process.