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practical-guides:education-loan-wrongly-reported-overdue [2026/06/05 04:00] – created - external edit 127.0.0.1practical-guides:education-loan-wrongly-reported-overdue [2026/06/13 07:50] (current) – Batch 1 rewrite: answer-first, topic-specific content and metadata Shrawan Pathak
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-{{htmlmetatags>metatag-title=(Education Loan Wrongly Reported Overdue? How to Fix It)&metatag-description=(Your education loan shows overdue while still in moratorium or already paid? Prove the repayment terms, raise a free bureau dispute, push the lender, then RBI.)&metatag-keywords=(Banking and Credit Reports)&metatag-robots=(index,follow)&metatag-og:title=(Education Loan Wrongly Reported Overdue? How to Fix It)&metatag-og:description=(Your education loan shows overdue while still in moratorium or already paid? Prove the repayment terms, raise a free bureau dispute, push the lender, then RBI.)&metatag-og:type=(article)}}+{{htmlmetatags>metatag-title=(Education Loan Wrongly Reported Overdue? Get the Credit Report Fixed)&metatag-description=(Education loan shows overdue while in moratorium or already paid? Prove the terms, raise a free CIBIL dispute, push the lender, then the RBI Ombudsman.)&metatag-keywords=(Banking and Credit Reports)&metatag-robots=(index,follow)&metatag-og:title=(Education Loan Wrongly Reported Overdue? Get the Credit Report Fixed)&metatag-og:description=(Education loan shows overdue while in moratorium or already paid? Prove the terms, raise a free CIBIL dispute, push the lender, then the RBI Ombudsman.)&metatag-og:type=(article)}}
  
-====== Education loan wrongly reported as overdue ======+====== Education Loan Wrongly Reported Overdue: Get It Corrected ======
  
-**Your education loan shows overdue or past-due on your credit report even though no EMI was due yet or you paid on time — here is how to get it corrected.** +**Reviewed on:** 2026-06-12.
- +
-**Reviewed on:** 2026-05-29.+
  
 {{:practical-guides:education-loan-wrongly-reported-overdue.webp|A young graduate holding a study folder while an hourglass tips over too early and a calendar leaf falls beside them.}} {{:practical-guides:education-loan-wrongly-reported-overdue.webp|A young graduate holding a study folder while an hourglass tips over too early and a calendar leaf falls beside them.}}
  
-//Your repayment clock has not started yet, but the report calls the loan overdue — this guide gets it corrected.//+**Your education loan shows "overdue" or "past due" on your credit report, but you do not think any EMI was actually due. Your move depends on why it is wrong. Use this decision flow.**
  
-<WRAP center round info 95%> +  * **If you are still in the moratorium (repayment holiday),** no EMI is due yet. Your sanction letter sets the repayment-start date. Prove it, and the overdue mark should go. 
-**Quick answer**+  * **If you have paid every instalment on time,** the entry is a stale or duplicate report. Show your payment proof and ask for the status to read current. 
 +  * **If an interest-subsidy you were eligible for was not credited,** that small unpaid amount can show as a phantom overdue. Chase the subsidy, then ask for the correction. 
 +  * **If the bank recorded the wrong course-end or repayment-start date,** it started the clock too early. Send the correct dates from your sanction letter.
  
-An education loan marked overdue or past-due when you are still in the moratorium (repayment holiday), or when you have actually paid, is almost always a reporting error, not a real default. The fix is to prove the correct position: your sanction letter shows when repayment starts, and the moratorium usually runs through your course period plus a grace gap, so no EMI is due during that window. Get the sanction letter, the repayment schedule and any payment proof, then raise a free dispute with the credit bureau and with the lender at the same time. The bureau corrects the entry only after the lender confirms it.+In every case the fix is the same shape: prove the correct position, raise a free dispute with the credit bureau and the lender together, and escalate to the RBI Ombudsman if it is not corrected. The bureau changes the entry only after the lender confirms it.
  
-If your lender is a public-sector bank — and most education loans in India are — you also have a strong RTI route to pull the recorded moratorium terms and the repayment-start date the bank used. If the lender is a private bank, NBFC or the bureau itself, RTI does not apply: use the bureau dispute, the lender's grievance or nodal officer, and then the RBI Ombudsman. +**Reviewed on:** 2026-06-12.
-</WRAP>+
  
-===== Who this guide is for =====+An education loan marked overdue while it is still in moratorium, or after you have paid, is almost always a reporting error, not a real default. The RBI directions on credit information companies give you a free correction route and a compensation lever if it drags.
  
-This guide is for you if your education loan looks overdue or in default when it should not:+===== Your sanction letter is the deciding document =====
  
-  * Your loan is still in the moratorium or repayment holiday, but the report shows overdue or 'days past due'. +The single most important paper here is your education loan sanction letter. It states the moratorium period and the exact date repayment begins. The moratorium usually runs through your course plus a grace gap, so no EMI is due in that window. Pair the sanction letter with the repayment schedule. If EMIs had already started, add proof of the payments you made. If you cannot find these, email the branch today for copies, because without them your dispute is weak.
-  * You are a student or co-applicant and the EMIs have not even begun, yet a default is reported. +
-  * You paid every instalment on time, but the report still shows an overdue amount. +
-  * An interest-subsidy you were eligible for was not credited, leaving a phantom unpaid amount. +
-  * Your course or repayment-start date was recorded wrongly, so the bank started the clock too early. +
-  * The lender says the account is regular, but CIBIL, Experian, Equifax or CRIF High Mark shows it overdue.+
  
-===== What you can do this weekend =====+===== Step-by-step: get the entry corrected =====
  
-==== Friday evening ==== +  - **Pull your own report and pinpoint the error.** You get one free full report a year from each bureau, CIBIL, Experian, Equifax and CRIF High Mark, on their official sites. Save the page showing the education-loan account marked overdue, with the lender name, status and any days-past-due figure. 
- +  - **Establish the correct position.** Read the sanction letter and repayment schedule. Confirm whether you are still in moratorium so no EMI is due, or whether every due EMI was paid. Note the repayment-start date. 
-Pull your own credit report so the exact error is in front of you. You are entitled to one free full report each year from each bureau — CIBIL, Experian, Equifax and CRIF High Mark — through their official websites. Download it and save the PDF or a clear screenshot of the education-loan account that shows overdue. Note the loan account number, the lender name, the reported status and any 'days past due' figure. +  - **Raise a free dispute on the bureau's website.** Use the official online dispute facility, select the wrong field, state the correct position, and upload your sanction letter and payment proof. Save the dispute reference. 
- +  - **Email the lender's grievance officer in parallel.** Send the same details. The bureau corrects the entry only after the lender confirms, so push the lender directly too, asking it to correct the data with every bureau it reports to. 
-==== Saturday ==== +  - **Chase any pending interest-subsidy separately.** If an uncredited subsidy created the phantom overdue, ask the branch and the scheme's nodal bank to process it, and raise it on CPGRAMS if a government department is holding it up. 
- +  - **Re-pull and confirm.** Once resolved, download a fresh report and check the account shows current or standard with no overdue. Keep it for any future loan, card or visa application. 
-Dig out your loan paperwork and put the proof in one folder: +  - **Escalate if not corrected.** Use the lender's Internal Ombudsman, then file with the RBI Ombudsman on cms.rbi.org.in. Under the RBI directions, an unresolved data-correction complaint beyond the prescribed period can attract compensation of ₹100 per day of delay, so quote that.
- +
-  * Your sanction letter — it states the moratorium period and when repayment actually starts. +
-  * The repayment schedule or amortisation chart issued by the bank. +
-  * Proof of any EMIs you have already paid (statements, UPI/NEFT references). +
-  * If the loan is closed, your No Objection Certificate (NOC) and a zero-balance statement. +
-  * If an interest-subsidy applied, any sanction or claim reference for it. +
- +
-If you cannot find the sanction letter or repayment schedule, email the branch today for a copy so you have a paper trail. +
- +
-==== Sunday ==== +
- +
-Draft your dispute and your complaint to the lender using the template lower down. Write the loan account number, the wrong status (overdue / past-due), the correct position (in moratorium and not yet due, or paid and regular), and the date repayment is due to start as per your sanction letter. Attach the sanction letter and your payment proof. On Monday you raise the dispute on the bureau's website and email the lender's grievance address together, so both move in parallel.+
  
 ===== Documents and evidence checklist ===== ===== Documents and evidence checklist =====
  
-^ Document or evidence ^ Why it matters / where to get it ^ +^ Document ^ Why it matters ^ 
-| Your full credit report (the relevant page) | Shows the exact account, the lender and the wrong overdue status, plus any 'days past due'. Download free once a year from each bureau's site. | +| Your credit report (the relevant page) | Shows the exact account, lender and wrong overdue status | 
-| Education loan sanction letter | The authoritative source for THIS loan. It states the moratorium period and the date repayment starts — your strongest proof that no EMI was due yet. | +| Education loan sanction letter | The authoritative source for moratorium and repayment-start date | 
-| Repayment schedule or amortisation chart | Confirms when each instalment falls due. Use it to show the bank started the repayment clock too early. | +| Repayment schedule | Confirms when each instalment falls due | 
-| Proof of course completion or employment start | The moratorium often ends a set gap after your course ends or you get a job. This fixes the correct start date. | +| Course-completion or employment proof | Fixes the correct moratorium-end date | 
-| EMI payment proof | Bank statements or UPI/NEFT references for instalments already paid, in case the lender claims a missed payment. | +| EMI payment proof | Counters any claim of a missed payment | 
-| Interest-subsidy sanction or claim reference | If you were eligible for a government interest-subsidy, an unpaid subsidy can show as a phantom overdue. This helps trace it. | +| Interest-subsidy claim reference | Traces a phantom overdue caused by an uncredited subsidy | 
-| Loan closure NOC and zero-balance statement | Needed only if the loan is already closed; proves nothing is outstanding. | +| PAN and a government ID | Verifies you when you raise the dispute |
-| Your PAN and a government ID | Used to verify your identity when you raise a bureau dispute or escalate to the lender. | +
-| Copies of all earlier emails or complaints | Builds a dated trail you will need if you escalate to the RBI Ombudsman. |+
  
-===== Step-by-step action plan =====+===== A note on the co-applicant =====
  
-  - **Get your report and pinpoint the error.** Download your free annual report from CIBIL, Experian, Equifax or CRIF High Mark. Find the education-loan account marked overdue and note its account number, lender name, reported status and any days-past-due figure. +An education loan reported overdue usually appears on the credit reports of both the student and the co-applicant, often a parent. The wrong overdue mark can lower the co-applicant's score and affect their own borrowing. Both should pull their reports, and the correction request should name everyone linked to the loan, so the fix reaches every profile at once.
-  - **Establish the correct position from your sanction letter.** Read your sanction letter and repayment schedule. Confirm whether you are still in the moratorium so no EMI is due, or whether every due instalment was actually paid. Note the date repayment is meant to start. +
-  - **Collect your proof in one folder.** Put the sanction letter, repayment schedule, course-completion or employment proof, and any EMI payment receipts together. If the loan is closed, add the NOC and a zero-balance statement. Email the branch for copies if anything is missing. +
-  - **Raise a dispute on the bureau's website.** Use the bureau's official online dispute facility to flag the account. Disputing is a free service. Select the wrong field (account status, overdue amount or days past due), state the correct position, and submit your documents. +
-  - **Email the lender's grievance team in parallel.** Send the same details and documents to the lender's customer grievance or nodal officer. The bureau updates the record only after the lender confirms it, so push the lender directly too. Ask the lender to correct the data with every bureau it reports to. +
-  - **Chase any pending interest-subsidy separately.** If a government interest-subsidy was not credited and created the phantom overdue, ask the branch and the scheme's nodal bank to process the claim, and raise it on CPGRAMS if it is stuck with a government department. +
-  - **Track the dispute and keep references.** Save the dispute reference number and acknowledgement email. The bureau will mark the entry 'under dispute' while it checks with the lender. Follow up if you hear nothing within the timeline shown on the bureau's portal. +
-  - **Re-pull the report and confirm the fix.** Once resolved, download a fresh report and check that the account now shows current or standard with no overdue. Keep this corrected report as proof for any future loan, card or visa application. +
-  - **Escalate if it is not corrected.** If the bureau or lender does not fix it within the prescribed period, escalate to the lender's and bureau's Internal Ombudsman, then file with the RBI Ombudsman on the RBI CMS portal, attaching your dispute reference and sanction letter. Use RTI for a public-sector lender.+
  
-===== Escalation ladder =====+===== Where RTI fits, and where it does not =====
  
-^ Step ^ Who to approach ^ How to reach them ^ Typical timeline ^ +Most education loans are with a **public-sector bank**, which is a public authority, so RTI works well here. File an RTI to its Public Information Officer for the recorded moratorium terms and the exact repayment-start date the bank used, the course-end or employment date it relied on, what status, overdue amount and days-past-due it reported to the bureau and on which dates, and the status of any interest-subsidy claim. These are strong evidence for your dispute or RBI complaint.
-| Raise a dispute | The credit bureau (CIBIL / Experian / Equifax / CRIF High Mark) | Online dispute facility on the bureau's official website (free) | Within the timeline shown on the bureau's portal | +
-| Push the lender | Lender's customer grievance / nodal officer | Email or the lender's grievance portal, with the sanction letter and payment proof | A few working days to acknowledge | +
-| Chase the interest-subsidy | Branch and the scheme's nodal bank / education department | Branch email; CPGRAMS (pgportal.gov.in) if a government department is involved | A few weeks | +
-| Internal Ombudsman | The lender's or bureau's Internal Ombudsman | Escalation route on the lender's or bureau's website if the first dispute fails | As per their escalation policy | +
-| RBI Ombudsman (RB-IOS) | Reserve Bank of India, under the Integrated Ombudsman Scheme | RBI Complaint Management System at cms.rbi.org.in | After the lender/bureau fails or 30 days pass | +
-| RTI (public-sector lender only) | Public-sector bank's Public Information Officer | Online RTI via rtionline.gov.in or a written application to the PIO | Reply due within the statutory RTI period |+
  
-===== Copy-paste complaint template =====+RTI does **not** apply to the **credit bureaus**, which are private companies, nor to a **private bank, foreign bank or private NBFC**. For those, use the free bureau dispute, the lender's grievance route and the RBI Ombudsman, which covers banks, NBFCs and credit information companies. RTI gives you records; it does not order the entry changed.
  
-Adapt the bracketed parts. Keep a copy of everything you send. +===== Sample complaint to the lender =====
- +
-**Subject:** Education loan wrongly reported as overdue — request to correct credit report+
  
 <code> <code>
 To: Grievance / Nodal Officer, [Bank or NBFC name] To: Grievance / Nodal Officer, [Bank or NBFC name]
-Cc: Customer Service, [branch name] +Subject: Education loan wrongly reported as overdue, request to correct 
- +the credit report
-Subject: Education loan wrongly reported as overdue — request to correct credit report+
  
 Dear Sir/Madam, Dear Sir/Madam,
  
-My education loan account [loan account number] with you is being wrongly reported as OVERDUE / PAST-DUE in my credit report from [bureau name] dated [report date], showing [overdue amount / days past due, if any].+My education loan account [number] is being wrongly reported as 
 +OVERDUE / PAST-DUE in my credit report from [bureau] dated [date], 
 +showing [overdue amount / days past due].
  
-This is incorrect because: +This is incorrect because [choose]: 
-[Choose what applies] +- The loan is still in moratorium per my sanction letter dated [date]; 
-- The loan is still in the moratorium / repayment holiday as per my sanction letter dated [date]; repayment is due to start only on [repayment start date], so no EMI is yet due. +  repayment starts only on [repayment-start date], so no EMI is due. 
-- I have paid every instalment due on time; payment proof is attached. +- I have paid every EMI due on time; proof is attached. 
-- An eligible interest-subsidy was not credited, creating a phantom outstanding amount.+- An eligible interest-subsidy was not credited, creating a phantom 
 +  outstanding.
  
-The account should be reported as current / standard with no overdue.+The account should read current / standard with no overdue.
  
 I request you to: I request you to:
-1. Confirm in writing the correct status and the repayment-start date on record. +1. Confirm the correct status and repayment-start date on record. 
-2. Report the corrected status to all credit bureaus you have reported to.+2. Report the corrected status to all bureaus you report to.
 3. Share the date by which the correction will be submitted. 3. Share the date by which the correction will be submitted.
  
-Documents attached: sanction letter, repayment schedule, payment proof [and NOC / zero-balance statement if closed].+Enclosed: sanction letter, repayment schedule, payment proof. I have 
 +also raised a bureau dispute (reference [number]). Please resolve 
 +within the period prescribed by RBI, failing which I will escalate to 
 +your Internal Ombudsman and the RBI Ombudsman.
  
-I have also raised a dispute with the bureau (reference [dispute reference], if available). Please resolve this within the period prescribed by RBI. If it is not corrected, I will escalate to your Internal Ombudsman and the RBI Ombudsman.+Name: [name] | PAN: [PAN] | Loan A/c: [number] | Contact: [contact]
  
-Details for verification: +Yours sincerely, 
-Name: [your name] +[Your name] | [Date]
-PAN: [your PAN] +
-Registered mobile / email: [your contact] +
-Loan account number: [number] +
- +
-Kindly acknowledge this email and share a complaint reference number. +
- +
-Thank you, +
-[Your name] +
-[Date]+
 </code> </code>
- 
-===== When RTI can help ===== 
- 
-RTI helps when the record sits with a public authority — and most education loans in India are with a **public-sector bank**, so RTI applies for many readers. If a nationalised bank, a regional rural bank or a government-scheme lender holds your loan, you can file an RTI to its Public Information Officer to obtain: 
- 
-  * The recorded moratorium terms and the exact date the bank treats repayment as starting. 
-  * The course-end or employment date the bank used to fix that start date. 
-  * What status, overdue amount and 'days past due' the bank reported to the credit bureau, and on which dates. 
-  * The status of any government interest-subsidy claim routed through the nodal bank or department. 
-  * Copies of the file noting on your account and your earlier correspondence. 
- 
-These documents are strong evidence to fix accountability and support your bureau dispute or RBI complaint. RTI to RBI can get you policy and circular-level information about the data-correction and ombudsman framework, but RBI will not decide your individual dispute through an RTI reply. 
- 
-===== When RTI will not help ===== 
- 
-RTI does **not** apply to the credit bureau itself. CIBIL, Experian, Equifax and CRIF High Mark are private companies, not public authorities, so you cannot RTI them. RTI also does not apply to a **private bank, foreign bank or private NBFC** lender. 
- 
-For these, the correct first remedies are: 
- 
-  * Raise a free dispute on the bureau's official website to correct the entry. 
-  * Complain to the lender's grievance or nodal officer with your sanction letter and payment proof. 
-  * If unresolved, file with the RBI Ombudsman under the Integrated Ombudsman Scheme through the RBI CMS portal (cms.rbi.org.in) — it covers banks, NBFCs and credit information companies. 
-  * If an interest-subsidy stuck with a government department caused the overdue, raise it on CPGRAMS (pgportal.gov.in). 
-  * As a further step, approach the consumer commission through the e-Daakhil portal. 
  
 ===== Common mistakes to avoid ===== ===== Common mistakes to avoid =====
  
-  * Panicking and paying a 'due' amount during the moratorium. If no EMI is due yet, paying blindly can hide the bank's reporting error — check your sanction letter first. +  * **Paying a "due" amount during the moratorium.** If no EMI is due, paying blindly can hide the bank's error. Check the sanction letter first. 
-  * Disputing only with the bureau and ignoring the lender. The bureau updates the record only after the lender confirms it, so push both together. +  * **Disputing only with the bureau.** It corrects the entry only after the lender confirms. Push both together. 
-  * Not reading the sanction letter. It is the authoritative source for when repayment starts; many 'overdue' marks vanish once the real start date is shown. +  * **Not reading the sanction letter.** Many overdue marks vanish once the real repayment-start date is shown. 
-  * Forgetting the interest-subsidy. An unpaid subsidy you were eligible for can create a phantom overdue — chase the nodal bank or department for it. +  * **Forgetting the interest-subsidy.** An uncredited subsidy can create a phantom overdue. Chase the nodal bank or department. 
-  * Filing with the RBI Ombudsman before giving the lender a chance. The scheme expects you to complain to the lender first and wait for the prescribed period. +  * **Filing with the RBI Ombudsman first.** Complain to the lender and wait the prescribed period before escalating. 
-  * Trusting paid 'credit-fix' agents. Bureau disputes are free and you can raise them yourself.+  * **Trusting paid "credit-fix" agents.** Bureau disputes are free and you can raise them yourself.
  
 ===== Official links ===== ===== Official links =====
  
   * [[https://cms.rbi.org.in|RBI Complaint Management System (Ombudsman)]]   * [[https://cms.rbi.org.in|RBI Complaint Management System (Ombudsman)]]
-  * [[https://www.rbi.org.in|Reserve Bank of India — official site]]+  * [[https://www.rbi.org.in|Reserve Bank of India]] 
 +  * [[https://pgportal.gov.in|CPGRAMS grievance portal]]
   * [[https://rtionline.gov.in|File an RTI online (public-sector lender)]]   * [[https://rtionline.gov.in|File an RTI online (public-sector lender)]]
-  * [[https://pgportal.gov.in|CPGRAMS — government grievance portal]] +  * [[https://edaakhil.nic.in|Consumer complaint, e-Daakhil]] 
-  * [[https://edaakhil.nic.in|Consumer complaint — e-Daakhil]] + 
-  * [[https://consumerhelpline.gov.in|National Consumer Helpline]]+===== Related RTI Wiki guides ===== 
 + 
 +  * [[practical-guides:education-loan-interest-subsidy-not-credited-csis-bank-escalation|CSIS interest subsidy not credited]] 
 +  * [[practical-guides:education-loan-recovery-coapplicant-student-default|Education loan recovery on the co-applicant]] 
 +  * [[practical-guides:credit-bureau-shows-settled-status-after-full-payment|Settled status after full payment]] 
 +  * [[practical-guides:start|Practical Guides hub]] 
 +  * [[file-rti-online-india|How to file an RTI online]]
  
 ===== FAQs ===== ===== FAQs =====
  
-==== Why is my education loan shown as overdue when I am still studying? ====+==== Why is my education loan shown overdue while I am still studying? ====
  
-Almost always a reporting error. Education loans carry a moratorium or repayment holiday that usually runs through your course plus a grace gap, so no EMI is due during that time. If the bank recorded the wrong start date or there was a processing lag, the account can wrongly show overdue. Your sanction letter proves the correct repayment-start date — use it to raise a free dispute with the bureau and the lender.+Almost always a reporting error. Education loans carry a moratorium that usually runs through your course plus a grace gap, so no EMI is due in that time. If the bank recorded the wrong start date or there was a processing lag, the account can wrongly show overdue. Your sanction letter proves the correct repayment-start date.
  
 ==== What is the single most important document I need? ==== ==== What is the single most important document I need? ====
  
-Your education loan sanction letter. It states the moratorium period and the exact date repayment begins, which is the authoritative proof that no instalment was due yet. Pair it with the repayment schedule. If EMIs had already started, add proof of the payments you made. Ask your branch for copies if you cannot find them. +Your education loan sanction letter. It states the moratorium period and the exact date repayment begins, the authoritative proof that no instalment was due yet. Pair it with the repayment schedule, and add payment proof if EMIs had already started. Ask your branch for copies if you cannot find them.
- +
-==== Is it free to raise a dispute with the credit bureau? ==== +
- +
-Yes. Correcting an error in your credit information is a free service offered by the bureaus. You do not need to pay any agent. Raise the dispute yourself on the official website of CIBIL, Experian, Equifax or CRIF High Mark, select the wrong field, and attach your sanction letter and payment proof. +
- +
-==== The bank did not credit my interest-subsidy and now it shows overdue. What do I do? ====+
  
-If you were eligible for a government interest-subsidy that was not credited, it can leave a small unpaid amount that the bank reports as overdue. Ask your branch and the scheme's nodal bank to process the subsidy claim, and raise it on CPGRAMS (pgportal.gov.in) if a government department is holding it up. Once credited, ask the lender to correct the report.+==== Is the bureau dispute free? ====
  
-==== How long does the bureau take to correct it? ====+Yes. Correcting an error in your credit information is a free service from the bureaus. You do not need an agent. Raise it yourself on the official website of CIBIL, Experian, Equifax or CRIF High Mark, select the wrong field, and attach your sanction letter and payment proof.
  
-Under the RBI framework, lenders and bureaus are expected to resolve such disputes within the period RBI has prescribed — commonly cited as about 30 days. The bureau will show the account 'under dispute' while it checks with the lender. Check the exact timeline shown on the bureau's portal and keep your dispute reference number.+==== The bank did not credit my interest-subsidy and now it shows overdue. ====
  
-==== Can I use RTI to fix my education loan report? ====+An uncredited subsidy you were eligible for can leave a small unpaid amount the bank reports as overdue. Ask your branch and the scheme's nodal bank to process the claim, and raise it on CPGRAMS if a government department is holding it up. Once credited, ask the lender to correct the report.
  
-Partly. Most education loans are with public-sector banks, so RTI works well here — you can ask the bank's Public Information Officer for the recorded moratorium terms, the repayment-start date it used, what it reported to the bureau and the status of any interest-subsidy claim. That is strong evidence. RTI does not apply to the credit bureaus or to private banks and NBFCs. For those, use the bureau dispute and the RBI Ombudsman.+==== How long does the correction take? ====
  
-==== I am a co-applicant or guarantor. Does this error hurt me too? ====+Under the RBI directions, lenders and bureaus are expected to resolve such disputes within the prescribed period, commonly cited as about 30 days. The bureau marks the account "under dispute" while it checks. If it drags beyond that, the framework allows compensation of ₹100 per day of delay. Keep your dispute reference.
  
-Yes. An education loan reported overdue usually appears on the credit reports of both the student borrower and the co-applicant, often a parent. The wrong overdue mark can lower the co-applicant's score and affect their own borrowing. Both should pull their reports and the correction request should cover everyone linked to the loan.+==== Can RTI fix my report? ====
  
-==== What if the bureau and lender still do not fix it? ====+Partly. Most education loans are with public-sector banks, so RTI works well to pull the recorded moratorium terms, the repayment-start date used, what was reported to the bureau, and any subsidy-claim status. That is strong evidence. RTI does not apply to the bureaus or to private banks and NBFCs; use the dispute and the RBI Ombudsman for those.
  
-Escalate. First use the lender's and bureau's Internal Ombudsman route. If that fails or the prescribed period passes, file a complaint with the RBI Ombudsman through the RBI Complaint Management System at cms.rbi.org.in, attaching your dispute reference, sanction letter and the wrong report page. The scheme covers banks, NBFCs and credit information companies. You can also approach the consumer commission via e-Daakhil.+==== I am a co-applicant. Does this error hurt me too? ====
  
-===== Clear next steps =====+Yes. An education loan reported overdue usually appears on both the student's and the co-applicant's credit reports, often a parent. The wrong mark can lower the co-applicant's score and affect their borrowing. Both should pull their reports, and the correction request should cover everyone linked to the loan.
  
-  * Download your free credit report now and save the page showing the wrong 'overdue' account. +Download the wrongly-overdue education-loan correction checklist (PDF) and find your sanction letter before you raise the dispute.
-  * Find your sanction letter and repayment schedule; they show whether any EMI was actually due. +
-  * Open the bureau's official dispute page and submit the correction with your documents. +
-  * Email the lender's grievance or nodal officer the same details so both move in parallel. +
-  * Save every reference number — you will need them if you escalate to the RBI Ombudsman.+