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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
Almost every decline traces back to one of three things. Knowing which one it was tells you whether to fix your report, adjust the loan or simply try a different lender.
A general guide. Each lender sets its own policy and weighs these factors differently.
Email or use the lender’s support form, quoting your application number and date. A written request leaves a record if you need to escalate.
Lenders rarely share internal scorecards, but most will tell you whether it was your credit history, your income and existing EMIs, or their policy.
Download your full report; checking it doesn’t affect your score. You get one free full report from each bureau every calendar year. How to read it section by section.
If you get no reply, write to the lender’s grievance redressal officer, whose details are on its website. A lender doesn’t have to approve you, but it should respond to you.
A message you can adapt: “I applied for a personal loan on [date], application number [number], and it was declined. Please tell me the main reason, and whether it relates to my credit report, my income and existing EMIs, or your lending policy, so I can address it before applying again.”
| If the lender says | It usually means | Your next step |
|---|---|---|
| “Credit history” or “bureau” | Something in your report: a recent late mark, many open loans or enquiries, or an error | Read the report; dispute errors free; fix and wait for it to update |
| “Income” or “eligibility” | Your take-home is below their floor, or EMIs would take too much of it | Ask for a smaller amount or longer tenure, or add a co-applicant |
| “Internal policy” | Employer, job tenure, location or a product rule | Try a lender whose published criteria you clearly meet |
| “Unable to verify” | Name, PAN, address or salary details didn’t match | Check your documents match each other and your report |
Our eligibility is published so you can check the basics before applying: salaried, take-home of ₹40,000 or more, a score from 600. A credit officer reads your full report, and if we can’t approve you, ask us about the main reason: knowing it tells you what to work on. Sometimes the fix is simple: a co-applicant, a smaller amount or a longer tenure.
A credit officer reads your full report, not just the number, and co-applicants are welcome.
Usually, if you ask in writing. Expect the main reason as a broad category rather than the full detail of the lender’s scorecard.
The lender won’t usually send it, but you can download your own full report from the same bureau. It shows the same accounts, payments and enquiries.
The rejection doesn’t, but the hard enquiry from your application does. Several in a short time can lower your score.
Write to its grievance redressal officer. If a covered lender still doesn’t respond within 30 days, you can escalate to the RBI Integrated Ombudsman.
Only after you know the reason and have fixed it, and then to one lender whose criteria you clearly meet.
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.