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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
A paid agent cannot change either branch. For accurate entries there is nothing to remove; for wrong ones, the dispute you can file yourself is the same process an agent would use.
| The claim | The reality |
|---|---|
| “We have contacts at CIBIL and can delete your default.” | Bureaus record what lenders report. Accurate data isn’t deleted on request, for anyone. |
| “Pay us and your score will be 750 in 30 days.” | No one can promise a score. It moves only as your reported data changes. |
| “We’ll dispute everything until it disappears.” | Disputing accurate entries doesn’t remove them. The lender confirms the data and it stays. |
| “Changing ‘settled’ to ‘closed’ needs our special service.” | The lender updates the status if you pay the shortfall. You can ask them directly. How it works. |
| “Share your OTP and bureau login so we can fix it.” | Never share OTPs or passwords. That is how fraudsters take over accounts. |
If you have been cheated, report it on the cybercrime helpline 1930 or at cybercrime.gov.in. You can also report an entity collecting money from the public without authorisation on the RBI Sachet portal. Remember that genuine lenders don’t charge you before approval; Omozing never asks for upfront fees.
You are entitled to one free full report per bureau per calendar year from CIBIL, Experian, Equifax and CRIF High Mark. How to get it.
Raise it with the bureau and attach proof. If it isn’t resolved within 30 days, you are owed ₹100 for each day of delay. Step-by-step dispute guide.
Pay overdue amounts, get no-dues certificates, and ask lenders to update settled accounts after you pay the shortfall.
Pay every EMI and card on time and keep card use low. This is the only thing that improves a report with accurate negatives on it. How long a rebuild takes.
If you want guidance through these steps, our Credit Score Booster offers a structured review of your report and a plan. It doesn’t promise a score and doesn’t claim to remove accurate entries.
Fix errors through the official process and build from there, without paying anyone to “delete” history.
No. A settled account is accurate information and stays visible for years. Paying the shortfall and asking the lender to update the status to closed is the legitimate way to improve it.
Paying for advice or help with paperwork is your choice, but no one can remove accurate data. Be wary of anyone who promises deletion or a specific score.
Nothing. Disputing an error with a credit bureau is free, and it must be resolved within 30 days.
If the lender confirms the data is accurate, it stays. If you believe it is wrong and the lender or bureau hasn’t resolved your complaint, you can escalate to the RBI Integrated Ombudsman at cms.rbi.org.in.
Stop further payments, don’t share any OTPs or passwords, and report it on 1930 or cybercrime.gov.in if you think you were cheated. Then check your report yourself.
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.