CIBIL Score Customer Care Number: How to Contact and Get Support

The CIBIL score customer care number is +91-22-6140-4300. This is TransUnion CIBIL's official consumer helpline, open Monday to Saturday, 10 AM to 6 PM. Use it for report errors, score questions, and dispute status.

That's the short answer. Here's what sits underneath it.

Your bank cannot fix your CIBIL report on its own. Only CIBIL can update what's on file, and even CIBIL needs your bank to confirm the correction first. So when something looks wrong on your report, this helpline, not your bank's customer care, is where the fix actually starts.

One more thing worth filing away. If you ever get a call from 1600 313 613 or 1600 313 614, don't panic and don't ignore it either. Both are genuine TransUnion CIBIL numbers, but they're outgoing-only. They send you service alerts; you can't call back on them. Knowing this in advance saves you from two opposite mistakes: mistrusting a real CIBIL call, or trusting a scam call because it "sounds official" in the same way.

There's also a fax line, +91-22-6638-4666, for anyone who wants a written trail without going through email. Barely anyone uses it now, but it still works.

Most people don't call CIBIL because something is wrong with them. They call because of one specific trigger, and it's almost always one of these four.

A loan or credit card got rejected. You want to know why, and whether your report played a part in it.

You spotted an error in your report. A wrong date of birth. A loan that isn't yours. An account still showing "active" long after you paid it off.

Your KYC is stuck. You're trying to check your score online, and the identity verification step won't clear.

An online dispute has gone quiet. You raised it through myCIBIL weeks back, and nothing has moved since.

Here's one myth worth clearing up, because it changes how urgently you should react. Checking your own score, through the CIBIL website, your bank's app, or any credit app, never lowers it. This is called a soft enquiry, and no lender can even see that you did it. So if the only reason you were reaching for the phone was to "double-check" your score is safe after looking at it, you can put the phone down. It's fine. Our piece on whether checking your CIBIL score reduces it walks through the soft enquiry vs hard enquiry difference in more depth, if you want the full picture.

Not every credit question needs a phone call. These five signs mean it's time to stop waiting on the app and reach out.

A dispute has passed 30 days with no answer. That's the legal window (more on this further down). Past that point, following up directly is fair and expected.

An account you never opened shows up on your report. This needs a formal dispute, not a mental note to "check again later." Every week it sits there is a week it can affect a lender's view of you.

Your score dropped and you can't explain why, after reviewing your recent credit activity. No missed payment. No new loan. Nothing that should have moved the number, but it moved anyway.

You're stuck at the online verification step. The KYC process won't let you past it no matter how many times you retry, and the FAQ page has stopped being useful.

You want a written complaint number. Sometimes you need proof you raised something, not just a memory of a chat that leaves no trail.

If any of these sound like you, the chatbot and FAQ page on CIBIL's site usually run out of road fast. These five situations exist specifically for the phone line, the email, or a formal dispute. If the issue turns out to be a genuine reporting error rather than a real debt, correcting a CIBIL score error is often quicker than people expect.

1. Try the self-service option first.

Log in to myCIBIL and use "Raise a Dispute" under your credit report. No account yet? There's an online dispute form that skips the login entirely. For a factual slip, a wrong loan status, a spelling mistake in your name, this alone usually fixes it, and it's the fastest route on the list.

2. Call the helpline for anything self-service can't solve.

Dial +91-22-6140-4300, Monday to Saturday, 10 AM to 6 PM. Keep your PAN and one ID proof next to you before you dial. A real person on the line can explain things the online form never will, like why a dispute is stuck or delayed.

3. Email if you'd rather have it in writing.

Write to CIBILinfo@transunion.com. Include your full name, date of birth, gender, contact number, an ID proof number (PAN, Driving Licence, or Voter ID), and your address. Leave any of these out, and the reply either bounces back or never arrives. This is the single biggest reason emails go unanswered, so get it right the first time.

4. Write a letter if the first three channels stall.

Send it to: TransUnion CIBIL Limited, One World Centre, Tower 2A, 19th Floor, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013. Slower than every other option here, but it creates a paper record that matters if you need to escalate later.

5. Visit the office in person, as a last resort.

Walk-ins run Monday to Friday, 10 AM to 6 PM. Bring the original and a photocopy of one ID, PAN card, Passport, Driving Licence, or Voter ID. Skip this, and the office can't verify who you are, so you'll be sent home to fetch it anyway.

Most people get their answer at step 1 or step 2. If your login itself is the sticking point rather than the report, our guide on logging in to your CIBIL account covers the exact screen-by-screen flow.

Most articles on this topic stop at the phone number. CIBIL actually has a full, formal escalation ladder for when the first answer doesn't satisfy you, and almost nobody writes about it in any detail.

Step 1: The Nodal Officer. If customer care's answer doesn't fix your problem, write to CIBIL's Nodal Officer directly, quoting the Service Request number from your first complaint. This is the standard second stop, not a special favour you have to ask for.

Step 2: The Principal Nodal Officer. Still unresolved? The next level is the Principal Nodal Officer, with a dedicated desk number: 022-6233-8138, Monday to Friday, 10 AM to 6 PM.

Step 3: The RBI Ombudsman. If both of the above fail, the final step is the Reserve Bank – Integrated Ombudsman Scheme (RB-IOS), 2026, run by the regulator, not by CIBIL. This is a genuinely independent body, separate from every channel covered above.

This ladder exists precisely because CIBIL and banks don't always get it right on the first try. Using it isn't a special case reserved for difficult customers; it's the normal, built-for-this path when a first answer doesn't hold up. Worth knowing separately: some paid "CIBIL improvement agencies" claim they can speed this up for a fee. They can't legally do anything you can't do yourself for free, and our breakdown of CIBIL score improvement agencies explains exactly what they can and can't deliver.

Here's the part most articles about CIBIL customer care skip entirely, and it's genuinely the most useful thing on this page.

An RBI circular from October 2023 requires your bank and CIBIL to fix report errors within a strict 30-day window, combined. Here's exactly how that splits: your bank gets 21 calendar days to verify the correction, and CIBIL gets the remaining 9 days to update your report once the bank confirms it.

Miss that combined 30-day window, and you are entitled to compensation of ₹100 for every extra day of delay. This gets split between whichever party actually caused the hold-up, your bank or CIBIL. Say your dispute drags on for 45 days instead of 30. That's 15 extra days, which works out to ₹1,500 owed to you, credited to your bank account within 5 working days of the complaint being resolved.

This is also why your bank account details get asked for when you register a dispute. It isn't a random formality tucked into the form. It's so this compensation can actually reach you if it's ever owed.

One practical takeaway worth repeating: always raise disputes in writing, online or by email, never only over a phone call. A phone-only complaint leaves no paper trail, and without one, claiming this compensation gets a lot harder if you're owed it. Your CIBIL score itself follows a separate update rhythm from the dispute timeline, and our piece on when your CIBIL score updates explains why a correction and a score change don't always land on the same day.

Getting a CIBIL error fixed is one problem, solved. Actually raising your score from where it sits now is a separate one, and that's where FREED's Credit Insights comes in.

Credit Insights pulls your credit report from Experian and hands you three things: your current score, exactly what's affecting it, and specific, step-by-step recommendations for what to fix first. It's open to everyone, not just people already enrolled with FREED, and they’re running a 50% discount on their subscription.

To be clear about what this isn't: Credit Insights doesn't talk to CIBIL on your behalf, and it doesn't fix report errors. That part stays a CIBIL-only process, exactly as covered above. What it does is give you an honest read of where you stand once your report is accurate, so you're not guessing what to work on next. If your score has been stuck for a while, our guide on improving your credit profile and guide on understanding factors that influence lender assessments lay out realistic timelines for exactly this stage.

If what you find points to something bigger than habits, an old loan you never resolved or a few accounts that have genuinely become hard to manage, FREED's other programs exist as separate options, depending on whether you can still repay or whether that's become genuinely difficult.

• Write down your Service Request or Dispute ID the moment you get it. You'll need this number at every step above it, especially if you ever escalate.
• Put every query in writing, not just on a call. Email or the online form both leave a paper trail. This matters directly if delay compensation ever applies to your case.
• Check the myCIBIL "Dispute Status" tracker instead of calling repeatedly. It updates as your case moves, and saves you from holding on the line for a status you can already see yourself.
• Keep one ID document scanned and ready. PAN, Passport, Driving Licence, or Voter ID. Almost every channel here will ask you for one.

Most CIBIL queries resolve well within 30 days once they're raised through the right channel, not just a phone call to customer care. Knowing the full ladder, from the helpline to the RBI Ombudsman, means you're never stuck without a next step.