3. Inform the lender or any other business that provided the incorrect information

Send the creditor a list of all your credit report disputes in writing. Make sure to call your creditor and ask about the specific address where you need to send the disputes so as to avoid any unnecessary delay in the investigation of the report. Be sure to include copies, not originals, of documents that support your claim. If you are a victim of identity theft begin by reporting your case to the local police. They will begin an investigation of your case and will direct you to other agencies that can help you.

For a person who wants to procure information regarding his credit report from the credit bureau, the Reserve bank of India has indicated that the credit information company must have suitable criteria to ascertain the person's identity. It is necessary for a company providing credit information to update the records at least within 15 days after being requested by an institution or a specified user.

It is very important to review your credit report. You now have an easy access to your credit information. For sending a request for your information report, you need to download and fill up a request form available at CIBIL's website. Email it to the address specified on the website. You can then mail the self-attested hardcopies of your latest identity proof, address proof along with a demand draft of Rs. 142.