If you’ve paid off your loan in full, received the No Objection Certificate (NOC) from your lender, and yet your CIBIL dispute was rejected, you’re not alone. Many borrowers in India face this frustrating issue that unfairly damages their credit score and impacts their financial future.
In this blog post, we’ll explain why this happens, what steps you can take, and how CrediBoost Solutions Pvt. Ltd. can help you resolve it once and for all.
📉 Why Was Your CIBIL Dispute Rejected?
CIBIL disputes can be rejected for various reasons — even when you’ve done everything right. Common causes include:
- Delay by the lender in updating your loan status with the credit bureau.
- Data mismatch, such as account number, date of closure, or name spelling errors.
- Internal errors during CIBIL’s review process.
- Failure by the lender to respond to CIBIL’s verification request within the required timeframe.
Even if you have the NOC and your dues are cleared, your credit report may still show “Written-off”, “Settled”, or “Active” status, which can significantly affect your creditworthiness.
📜 What Is an NOC and Why It Matters
A No Objection Certificate (NOC) from the lender is a legal document stating that:
- Your loan has been paid in full.
- No dues are outstanding.
- The lender has no objection to closing the account.
This document is your strongest proof for getting your credit report corrected. However, lenders may still fail to reflect this status in CIBIL or other credit bureaus.
🛑 Why a Rejected Dispute Is a Serious Problem
When your CIBIL dispute is rejected even after loan closure:
- It lowers your CIBIL score, reducing your chances of getting new loans or credit cards.
- It sends a negative signal to banks and financial institutions.
- You may be charged higher interest rates due to poor credit history.
- Your financial reputation suffers despite being a responsible borrower.
✅ What You Should Do Immediately
If you are facing this issue, follow these steps:
- Collect Your Documents: Keep your NOC, loan closure letter, payment receipts, and identity proof ready.
- Write to the Lender: Request them to update the loan status with CIBIL and issue written confirmation.
- Re-dispute with CIBIL: Submit your documents and ask for manual verification.
- File a Complaint with the RBI Ombudsman: If the lender ignores your request, escalate it to the Reserve Bank of India.
This process can take weeks or even months — and without expert help, your case might still go unresolved.
💼 Let CrediBoost Solutions Handle It for You!
At CrediBoost Solutions Pvt. Ltd., we specialize in fixing credit report issues, raising credit scores, and resolving complex cases like rejected disputes — even after loan closures.
Our Services Include:
- End-to-end support for CIBIL rectification
- Direct coordination with banks and bureaus
- Legal documentation and RBI Ombudsman complaints
- Personalized credit improvement plans
We don’t just guide — we take action on your behalf.
📞 Take Action Now — Don’t Let a Mistake Ruin Your Credit Future!
A rejected dispute doesn’t mean the end. With proper representation, evidence, and expert support, you can restore your credit reputation and move forward with financial confidence.
🟢 Contact CrediBoost Solutions Pvt. Ltd. Today!
📍 Website: www.crediboost.in
📧 Email: crediboostsolutions@gmail.com
📞 Call/WhatsApp: +91-7086962101
📌 Address: Lakhimpur, Assam – 784160
Let the professionals handle your credit — so you can handle your future.