Benefits of a High CIBIL Score: Good Credit, Great Rewards
A CIBIL enquiry shows up on your credit report when a bank or financial institution reviews your credit profile after you apply for a loan or credit card. Having too many enquiries in a short time can hurt your credit score in India.
Not all enquiries can be taken off your CIBIL report. Legitimate or "hard" enquiries made with your permission usually stay for up to 24 months. However, you can challenge and remove unauthorised, duplicate, or incorrect enquiries by raising a dispute with CIBIL.
To remove a wrong enquiry, log in to the official CIBIL website and file an online dispute under the “Credit Report” section. Select the incorrect enquiry, submit supporting details, and track the status. CIBIL generally resolves disputes within 30 days.
Healthy credit profile
Maintaining a healthy credit profile is the best way to minimise enquiry impact. Avoid applying for multiple loans simultaneously, check your credit report regularly, and ensure lenders access your report only with permission. Responsible credit behaviour helps protect and improve your CIBIL score over time.
