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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
Think of it as a chain. The first two links happen out of sight; your credit report only starts to show the damage from the third. The earlier you break the chain, the less there is to clean up.
Simplified illustration. Not every phishing attack leads to a loan in your name, but this is the route by which one can reach your score.
The biggest risk. They appear as your accounts and, unpaid, as your defaults. See what to do about a loan you never took.
Even if the fraudster is turned down, each application can leave a hard enquiry. A burst of them can lower your score a little for a while.
Painful, but not a credit event. Your savings account isn’t reported to bureaus. Report it at once to 1930 and your bank.
Report to the bank quickly and dispute the charges. Keep paying anything that is genuinely yours so a disputed bill doesn’t turn into a missed payment.
On card and account fraud, RBI’s 2017 rules on unauthorised electronic transactions work in your favour when you report fast. If the fraud came from a third-party breach and you report it within 3 working days of the bank’s alert, your liability is zero. Report it in 4 to 7 working days and your liability is capped. The bank must provisionally credit the money within 10 working days of being told. If you shared your OTP or PIN, you bear the loss until you report it, which is one more reason to report straight away.
Credit bureaus send an SMS or email when your report is accessed. An enquiry you didn’t make is the earliest warning you’ll get.
You get one free full report from each bureau every calendar year. Check accounts, enquiries and addresses for anything unfamiliar. How to get it free.
Disputes are free and must be resolved within 30 days. If the deadline is missed, compensation of ₹100 a day applies. See how compensation works.
Lock your Aadhaar biometrics through UIDAI (myAadhaar or mAadhaar), and when you share PAN or Aadhaar copies, write the purpose and date on them.
Fraudulent entries can be removed for free. Our dispute guide shows what to send and to whom.
Try our free 2-minute test: 12 real-style messages. How many can you catch?
No. Clicking a link has no effect on your score. Your score is only affected if your stolen details are later used to apply for or take credit in your name.
Yes, once the lender and bureau confirm it wasn’t yours. Raise a dispute with the bureau, attach your police or cybercrime complaint, and follow up with the lender.
You can dispute enquiries you didn’t authorise with the bureau. Report the fraud as well, so there is a record supporting your dispute.
Watch for bureau alerts about new enquiries or accounts, and check your full report from each bureau at least once a year.
It shouldn’t. Accurate negative information stays, but entries that were never yours are errors and must be corrected.
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.