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Written by the Omozing Credit Team · Reviewed for accuracy by our credit and compliance team · Updated October 2026
Blue: seeing your data. Green: correcting it. Amber: protection and escalation. The 30-day timeline and ₹100-a-day compensation come from the RBI framework that has applied since 26 April 2024.
| Right | How to use it | Time limit |
|---|---|---|
| Free full report | On each bureau’s official website: CIBIL, Experian, Equifax and CRIF High Mark. Step by step | Once per bureau per calendar year |
| Access alerts | Keep your mobile number and email current with every lender, so alerts reach you | Act on an unknown alert the same day |
| Correction of errors | Raise a dispute with the bureau; it passes it to the lender | 30 days: lender 21, bureau 9 |
| Compensation for delay | Give the account details where you want to be paid | ₹100 per calendar day after 30 days, paid within 5 working days of resolution |
| Notice before default | Read it, pay or call the lender, and dispute it if it’s wrong. Details | Before the reporting date in the notice |
| Ombudsman | File at cms.rbi.org.in or crpc@rbi.org.in after complaining to the entity | Within 90 days of the final reply, or of the 30-day deadline passing |
The ₹100 a day is paid by whoever caused the delay, the lender or the bureau. It covers lateness, not disagreement: if the dispute is resolved on time but you don’t like the answer, the compensation rule doesn’t apply, though the Ombudsman route does. More in compensation for a late fix.
The scheme covers commercial banks, NBFCs with assets of ₹100 crore or more, non-bank prepaid instrument issuers and credit information companies, so you can complain about a bureau directly. Complain to the bank, NBFC or bureau first. If there’s no reply in 30 days, or you’re unhappy with it, you have 90 days to file. Complaints filed before 1 July 2026 stay under the 2021 scheme. See how the Ombudsman handles credit report complaints.
Spread them out, one every three months, so you’re looking at a fresh report each quarter.
An enquiry you didn’t make can be the first sign of identity fraud. Dispute it, and if money is involved, call 1930 or file at cybercrime.gov.in. Removing an enquiry you didn’t make.
Save NOCs, closure letters, dispute reference numbers and dates. They are what make a complaint succeed.
Disputes and corrections cost nothing. Anyone charging to “repair” your report can’t do more than you can.
Our dispute guide covers the forms, evidence and the 30-day timeline, step by step.
Yes. Each of the four bureaus must give you one free full credit report every calendar year.
Yes. Bureaus send an SMS or email alert when your report is accessed, so keep your contact details current.
30 days in total: 21 days for the lender and 9 days for the bureau. After that you’re owed ₹100 per calendar day of delay.
Yes. Credit information companies are covered by the RBI Integrated Ombudsman. Complain to the bureau first, then file at cms.rbi.org.in if it isn’t resolved.
Not if they’re accurate. Only errors can be corrected. Accurate entries stay visible for years but weigh less as they age.
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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.