How to Read a CIBIL Report: Account Status, DPD, and Enquiries
A credit score is the summary; the report is the diagnostic record. Read each account month by month before trying to “improve the score.”
Report anatomy
| Section | What to look for |
|---|---|
| Identity | Name, PAN, date of birth, addresses and contacts |
| Accounts | Lender, ownership, open date, balance, limit and status |
| Payment history / DPD | Month-by-month delinquency or status codes |
| Closed accounts | Closure date and residual balance |
| Enquiries | Lender and date of recent credit applications |
Audit the report before acting on the score
Work from identity to accounts to enquiries so errors are not mixed with genuine history.
Verify identity. Make sure the report belongs to you and note incorrect or unfamiliar identifiers.
Check every open account. Compare balance, credit limit, ownership and account status with lender statements.
Read payment history month by month. Distinguish an actual late payment from a reporting error.
Review closed accounts and enquiries. Flag accounts still showing balances and enquiries you do not recognise.
Dispute precisely. Identify the lender, account fragment, month and field that is wrong and keep the lender and bureau references until the updated report is visible.
What not to dispute
Accurate late payments, settlements or defaults cannot legitimately be erased merely because they reduce a score. Focus on incorrect data and on improving current repayment and utilisation behaviour.
Related FixWise guides
- Identity Theft on a Credit Report: Freeze, Dispute, and Police Evidence
- Written-Off vs Settled vs Closed on Credit Reports: What Each Means
- Credit Repair Services in India: Red Flags and Safer DIY Steps
Official sources and verification
Use these links to confirm the rule, workflow, model instruction, or complaint route before acting. Provider terms, schemes, software screens, and model instructions can change.