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CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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Yes, errors in credit report can lead to a bad credit score. This is why you are advised to check your credit report every half yearly or quarterly to avoid confusion and to improve and maintain a good credit score.
An error is an information on your report which should not be there. This could happen because the information is not yours or incorrectly reported in your report. A few errors can be:
If your credit report has missing information, that doesn’t necessarily mean there is an error because all your information doesn’t necessarily have to be listed in your credit report.
Having errors could affect whether you will qualify for a loan product or not. But personal information errors don’t typically affect your credit score. But they could alert you a reporting issue or even fraud.
You can either talk to your loan provider (Bank/NBFC) or take it up with the bureau. Alternatively, you can approach any credit management companies who will help resolve your issues by filling a dispute with the Credit Bureau. This will help speed up the process.
Once you have filled the dispute with the credit bureau and the banks, they need to follow up and investigate your dispute within 30-45 days on receiving the notification of the dispute. The credit bureaus have solved 70% of the disputes within 15-20 days.
Therefore it is important to dispute incorrect information on your credit report, because it will have a significant impact on your credit health and your financial future. In a few cases, this is one of the easiest way to make an impact on your credit score
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application