The errors people most often find in credit reports, and what each one may mean.
| Check | Why it matters |
|---|---|
| An account that is not yours | A reporting mistake or identity misuse: dispute it and contact the lender. |
| A duplicate account | Usually a reporting error; ask for the duplicate to be removed. |
| A closed loan still shown as active | Keep the closure letter or no-dues certificate as proof. |
| A wrong late or missed payment | Keep the bank statement or receipt that shows the payment date. |
| A wrong outstanding or overdue amount | Compare with the lender's latest statement. |
| A wrong status such as "settled" or "written off" | Ask the lender to confirm the status it reported. |
| An enquiry you did not authorise | Ask the lender why it accessed your report. |
| Wrong personal details | Have your PAN and address proof ready for the correction. |
A self-check only: Finobazaar does not calculate a score or rating from it, and nothing is saved.