Customers can review their credit report to check whether any loan or credit account has been reported with overdue information. The report generally shows details such as the lender's name, account status, payment history and any overdue amount reported for that account.
Customers should carefully compare the information in their credit report with their own payment records. If there is any difference, supporting documents should be kept ready before requesting a review.
What does a pending overdue payment mean
A pending overdue payment generally means that an amount due on a loan or credit account has been reported as unpaid at the time the account information was shared with the credit information company.
This does not always mean the payment is still outstanding today. If a payment has already been made, the latest information may appear after the lender reports updated account details.
Where can you check overdue loan information
Customers may verify overdue information through different sources.
| Source | Information available |
|---|---|
| Credit report | Reported loan account details |
| Loan account statement | Outstanding amount |
| Lender account portal | Payment history |
| Mobile application | Loan status |
| Account communications | Recent payment updates |
Comparing multiple sources helps customers understand the current status of their loan.
Can you remove a pending overdue payment from your CIBIL report
A customer cannot directly remove information from a CIBIL report.
If the reported information appears incorrect:
- Verify your payment records.
- Compare them with your loan statement.
- Keep payment confirmations ready.
- Raise a dispute through the appropriate process, if required.
Credit information companies update records based on information received from lenders after verification.
