Getting your credit checked is mostly a straightforward process, but occasionally a CIBIL check can fail. This situation can be very unpleasant, mainly when you are in urgent need of a loan or a credit card. A lot of borrowers think a failed check is an indication of bad credit, but this is not necessarily the case. In most cases, it is due to missing data, technical problems, or delays in reporting.
Knowing the reasons behind a CIBIL check failure will help you rectify the situation and get your financial plans back on track. Even platforms like Olyv assist users in smoothly overcoming such problems.
Common Reasons for a Failed CIBIL Check
The following are the most common reasons for a CIBIL check failure,
Incorrect Personal Information
A small mistake in your PAN, date of birth, or name can prevent the system from using your file. Make sure that your KYC detail is updated at all banks, NBFCs, and credit apps.
No Credit History
First-time borrowers often face failed checks because their file has no past records. This is called missing credit history. Without a credit record, the bureau cannot generate a score.
Delayed or Incomplete Reporting
Lenders must report your loan and credit card activity monthly. If they are late or provide wrong data, then temporarily, your CIBIL check might be unsuccessful.
Technical or Server Errors
There are times when CIBIL servers or lender systems are unavailable. This can lead to a failed pull, even if your information is correct. Generally, waiting a few hours and then trying again will solve the problem.
PAN Not Linked to Active Accounts
When your PAN is new or not connected to past loans, the bureau might not be able to locate your information. The solution is to update your PAN with all your lenders.
Top Reasons Why CIBIL Check Fails
| Reason | How It Affects the Check |
| Incorrect Personal Info | The Bureau cannot locate your profile |
| No Credit History | Score cannot be generated |
| Bank Reporting Error | Old or incorrect data causes failure |
| Technical Server Issue | Check fails temporarily |
| PAN Not Linked | Profile not found in the bureau |
How to Fix a CIBIL Check That Failed
There are some ways to fix a failed check, and they are all simple,
- Check your PAN, name, and date of birth for correctness
- Update your KYC information with banks and NBFCs
- Look for mistakes in the bank’s reporting
- Begin your credit history with a secured credit card or a small loan
- If the servers were down, wait 24 – 48 hours and then try again
Use tools like Olyv to monitor your profile and be informed of any problems
Contribution From Banks and NBFCs’
Most CIBIL issues happen because of delays in reporting from banks and NBFCs. They send your loan or credit card data monthly to the bureau. If there’s a mismatch, it can lead to a CIBIL report issue. Being aware of your lender’s reporting cycle helps reduce surprises.
How Different Issues Affect Your Score
| Issue | Impact on CIBIL Check | Action Needed |
| Missing Credit History | Cannot fetch score | Start with small loans or a secured credit card |
| Late Reporting by Bank | Score may show old info | Contact the lender and verify reporting |
| Technical Error | Check fails temporarily | Retry after a few hours |
| Incorrect Details | Check fails completely | Update KYC and personal info |
Tips to Avoid Future Failures
- KYC must be kept updated in all accounts
- Use a minor loan or a secured credit card to create your history
- Check your score constantly, but do not check too much
- Confirm that every lender reports data accurately each month
- Do not apply for several loans at the same time
Following these actions will lower the probability of a failed credit score check and make your financial journey smoother.
Conclusion
A failed CIBIL check does not always indicate bad credit. Often, it is due to missing credit history, bank reporting errors, or simple technical issues. By keeping your personal information updated, starting small loans or secured credit cards, and checking lender reports regularly, you can fix most problems. Tools like Olyv make it even easier to monitor your credit profile and ensure smooth reporting. Once you understand the reasons behind a failed CIBIL check, you can correct them and maintain a healthy credit record for future loans and credit approvals.
