Here are some factors to consider before applying for checking your credit report:
You must read your CIBIL report to note mistakes. The best way to raise an online dispute is by accessing https://www.cibil.com/file-consumer-dispute/ where you can fill relevant information under section 'Under Dispute'. CIBIL will then contact the lender in question, and share the details. If the dispute is appreciated by the lender, the correction is done, and remark at 'Under Dispute Section' shall be removed.
It can take a month for resolving the issue. Keep in mind that non-genuine disputes must not be raised; otherwise it will hamper your credit report. You may check for any discrepancies in the report annually of once in 6 months.
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