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Omozing Answers › Credit scores and bureaus
Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
An “active” status can mean several different things. The details in the account section of your report usually tell you which one you’re dealing with. Here is a made-up example of what to look at.
A made-up example. The lender, amounts and dates are illustrative, not a real report.
| What you see | Likely reason | What to do |
|---|---|---|
| “Date reported” is before your last payment | The lender’s next report hasn’t been processed yet | Wait two reporting cycles, then check again |
| A small balance remains | Foreclosure charge, bounce charge or a few days’ interest unpaid | Ask the lender for a final statement and pay the difference |
| Closed on one bureau, active on another | The update reached one bureau but not the other | Dispute only with the bureau that is wrong |
| Zero balance but still active for months | The lender hasn’t reported the closure | Send the NOC to the lender’s grievance officer, then dispute |
| Status says “settled”, not “closed” | You paid less than the full amount owed | This is accurate; see settled vs closed |
Ask the lender for a no-objection or no-dues certificate (NOC) that states the closure date and a zero balance. For loan apps, take screenshots of the closed loan as well.
Write to the lender’s grievance officer with the NOC and your report. Ask them to update all four bureaus at the next reporting date.
Use the bureau’s online dispute form, choose the account, select “account closed” or the nearest option, and upload the NOC. Our dispute guide walks through the forms.
The lender has 21 days and the bureau 9. If the fix is late, you’re owed ₹100 per calendar day of delay, paid within 5 working days of resolution. See how compensation works.
If neither the lender nor the bureau fixes it, you can escalate to the RBI Integrated Ombudsman at cms.rbi.org.in, which covers banks, NBFCs with assets of ₹100 crore or more, and credit information companies. File with the entity first and allow 30 days for a reply. Details in where to complain if no one fixes your report.
An active loan you’ve actually closed makes you look more indebted than you are. A lender working out your FOIR may count an EMI you no longer pay, and a small unpaid balance can turn into days past due if it sits there. If you are planning to apply for a loan, sort this out first and keep the NOC ready to share. At Omozing a credit officer reads the full report and can consider an NOC alongside it.
Our dispute guide covers what to send, where, and how to track the 30-day deadline.
Usually one to two weeks, because lenders now report four times a month. If it still shows as active after about a month, take action.
It can. It may inflate your debt and, if a small balance remains unpaid, it can start showing days past due.
A no-objection or no-dues certificate from the lender confirming that you owe nothing and the loan is closed. It is your main evidence in a dispute.
Dispute with the bureau using your payment proof and screenshots. The bureau must contact the reporting lender and resolve the dispute within 30 days.
Only with the bureaus where the entry is wrong. Check all four first, because the update may have reached some and not others.
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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.