March 11, 2026 · 4 mins read
Santosh Kumar
Yes, you can delete a wrong late payment from your CIBIL report – by disputing it with the credit bureau, and letting the lender that made the mistake know. When confirmed, TransUnion CIBIL updates the correction in your report. It typically takes 15 to 30 days depending on the lender to hear back.
Your CIBIL report maintains a history of your credit — loans, credit cards, repayment behaviour. A late payment hit a lender reports that an EMI or credit card bill was not paid on time. Even one incorrect entry can lower your credit score and impact your likelihood of obtaining a loan.
Occasionally these entries are the result of glitches, lagging payment updates, or lender errors in reporting data. And if so, borrowers can ask to have that corrected.
First, take a copy of your credit report from TransUnion CIBIL. Scroll down to the payment history and locate that erroneous late payment. If you did make the payment on time or the delay was erroneous, you can dispute it via the CIBIL website.
Once the dispute is raised, CIBIL sends the request to the lender that reported the account. The lender reviews the details and approves or rejects the submission. If the lender confirms the mistake, they fix or delete the late payment from the report.
CIBIL does not, of course, alter data on its own. It just modifies the report upon confirmation from the lender. So you might also need to talk with the lender too, to fix it quicker.
Fixing a bad late payment can get your score back on track and keep you loan approval-worthy.
If you notice an erroneous late payment in your CIBIL report, here’s how to approach it systematically.
Begin by pulling your credit report from TransUnion CIBIL. Determine on which account they are referring with the erroneous late payment. Remember the lender name, month delinquent, account number.
Next, gather evidence like bank statements, payment receipts, or transaction confirmations proving you paid on time. These papers will go a long way toward showing that the entry is wrong.
After filing a dispute on CIBIL's website by selecting the appropriate account as well as choosing the incorrect payment option and including accompanying documentation if needed, CIBIL forwards the request for verification to the lender. You can also call the lender regarding this issue to inform them of their error so they can rectify it with CIBIL. The lender will then verify the error to assist CIBIL in making the necessary changes to your credit report, erasing the late payment, and actually amending your credit history. Nevertheless, if you routinely check your credit report, mistakes will be identified much sooner.
Monitoring your credit report allows you to avoid issues that can impact your ability to obtain loans or your financial situation.
Most times, removing incorrect late payments from your CIBIL report takes anywhere from 15 to 30 days. However, the time it takes for a lender to respond or verify the request is what ultimately determines how long you will have to wait.
No. TransUnion CIBIL does not make any modifications to your credit report. They only maintain the information in your credit report, and any modifications must have the approval of the lender that originally reported the data being modified.
Yes. The removal of an incorrect late payment from your credit report may increase your credit score as it eliminates a negative repayment history related to that incorrect late payment.
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