A CIBIL report contains details of a person’s credit history, such as the number of accounts, loan amount, lender’s name, and payment history. If you are familiar with the CIBIL report, you may notice the word “Written-off” as it means that the borrower could not pay their dues on a given loan, and the lender had to ‘write-off’ the loan amount.

The term “Written-off” literally means that the lender could not recover the outstanding dues from the borrower despite many attempts. So, the lender would have no other option but to submit the report to credit bureaus, like CIBIL, Experian, or CRIF High Mark as written off against the credit account.

A “Written-off” status is enough to make your credit score remarkably poor. It is also impossible to get a new loan if you have this status in your CIBIL report.

What is Written-Off status? A CIBIL report contains details of a person’s credit history, such as the number of accounts, loan amount, lender’s name, and payment history. If you are familiar with the CIBIL report, you may notice the word “Written-off” as it means that the borrower could not pay their dues on a given loan, and the lender had to ‘write-off’ the loan amount.

A “Written-off” status is enough to make your credit score remarkably poor. It is also impossible to get a new loan if you have this status in your CIBIL report.

Steps to remove the “Written-off” status from the CIBIL

Removing a “Written-off” status from your CIBIL report is a challenging process but not impossible. You must keep in mind one thing it is a time taking process.

So, you have to be patient with it. To remove the “Written-off” status from your CIBIL report, the most important thing you need to do is pay back the shown outstanding amount to the lender. Because CIBIL does not remove or modify any record themselves until they receive the confirmation from the respected lender.

And CIBIL will only get confirmation from the lender or bank when you clear all the outstanding amounts and request them to remove the status. So, you have no other option but to pay the due amount to the lender to remove the “Written-off” status from your CIBIL report.

But, before doing that, you need to follow some basic processes. 1). The first thing you need to do is create an online dispute on CIBIL’s official website against the account. After making the online dispute, don’t forget to save the dispute id as it may be required later.

2). The second thing you need to do is send an email to the respected lender. Attach all your KYC-related documents and your latest CIBIL report in the email. In case the lender may be a bank or an NBFC. In the email, you have to write your name, address, Date of Birth, PAN card number, Aadhar card number, etc. After that, write your CIBIL control number and the account details like sanctioned amount, current balance, overdue amount, date of open, etc.

Then describe your query, inform them that you want to pay the outstanding, and ask their suggestion on these issues. You may also ask for the latest statement of the account and remember to collect a written assurance that they will remove the “Written-off” status from your CIBIL report after receiving the payment.

3). Please wait a few days until you get a positive response from them. If you don’t receive any answer, forward the email again to the same email address. You may also call the lender directly for further assistance. In most cases, they will ask you to pay the remaining outstanding amount to clear the written-off status.

They may provide you with multiple payment options such as credit card, net banking, UPI, etc. But in some cases, you may also need to visit the bank to pay the overdue via cash or cheque. After clearing all the remaining outstanding amounts, ask the bank or lender to provide the No Due Certificate or NDC.

When you have no overdue in your account, the lender will surely give you a NOC or NDC within a few days.

4). So, now you have the payment receipt, No Due Certificate, in your hand. Attach a copy of these documents with a fresh new email, including your KYC documents like PAN card, Aadhar card, etc.

Describe the details and request them to remove the “Written-off” status as early as possible. Also, attach your latest CIBIL report with this email attachment what you did before in the previous email. You may also send these documents as a reply email to their early response.

If everything goes successfully, the lender or the bank will remove the “Written-off” status from your CIBIL report from their side. That’s it! But it may take 30 days or, sometimes, 45 to 60 days to reflect the update in your CIBIL report.

5). Check your most recent CIBIL report at least 30 days after receiving any further confirmation email from them whether the “Written-off” status was removed from your report or not.

If you already have a CIBIL subscription, it will be easy to monitor any update. Sometimes CIBIL itself sends a complimentary free report if there is any change in your CIBIL account. This report is password-protected, and the password is the first four characters of your name and birth year.

If you don’t receive a complimentary report from CIBIL, purchase a subscription plan on their website. If you find the “Written-off” status still exists in the new report, immediately write back to the lender again with the new or recent CIBIL report and ask for their explanation on it.

At the same time, call the lender and CIBIL customer care and tell them the problem. Follow their process step by step, and I hope your problem will solve accordingly.

Now you may ask how you get the lender’s email address? Make a Google search or visit the lender’s official website, then go to the contact page, and you will surely get the email ids of the lender.

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Removing a “Written-off” status from your CIBIL report is a challenging process but not impossible. You must keep in mind one thing it is a time taking process. So, you have to be patient with it. To remove the “Written-off” status from your CIBIL report, the most important thing you need to do is pay back the shown outstanding amount to the lender.

Because CIBIL does not remove or modify any record themselves until they receive the confirmation from the respected lender. And CIBIL will only get confirmation from the lender or bank when you clear all the outstanding amounts and request them to remove the status.

So, you have no other option but to pay the due amount to the lender to remove the “Written-off” status from your CIBIL report.

But, before doing that, you need to follow some basic processes.

The first thing you need to do is create an online dispute on CIBIL’s official website against the account. After making the online dispute, don’t forget to save the dispute id as it may be required later.
The second thing you need to do is send an email to the respected lender. Attach all your KYC-related documents and your latest CIBIL report in the email. In case the lender may be a bank or an NBFC. In the email, you have to write your name, address, Date of Birth, PAN card number, Aadhaar card number, etc.

After that, write your CIBIL control number and the account details like sanctioned amount, current balance, overdue amount, date of open, etc. Then describe your query, inform them that you want to pay the outstanding, and ask their suggestion on these issues.

You may also ask for the latest statement of the account and remember to collect a written assurance that they will remove the “Written-off” status from your CIBIL report after receiving the payment.
Please wait a few days until you get a positive response from them. If you don’t receive any answer, forward the email again to the same email address. You may also call the lender directly for further assistance. In most cases, they will ask you to pay the remaining outstanding amount to clear the written-off status.

They may provide you with multiple payment options such as credit card, net banking, UPI, etc. But in some cases, you may also need to visit the bank to pay the overdue via cash or cheque. After clearing all the remaining outstanding amounts, ask the bank or lender to provide the No Due Certificate or NDC.

When you have no overdue in your account, the lender will surely give you a NOC or NDC within a few days.
So, now you have the payment receipt, No Due Certificate, in your hand. Attach a copy of these documents with a fresh new email, including your KYC documents like PAN card, Aadhar card, etc. Describe the details and request them to remove the “Written-off” status as early as possible. Also, attach your latest CIBIL report with this email attachment what you did before in the previous email.

You may also send these documents as a reply email to their early response. If everything goes successfully, the lender or the bank will remove the “Written-off” status from your CIBIL report from their side. That’s it!. But it may take 30 days or, sometimes, 45 to 60 days to reflect the update in your CIBIL report.
Check your most recent CIBIL report at least 30 days after receiving any further confirmation email from them whether the “Written-off” status was removed from your report or not. If you already have a CIBIL subscription, it will be easy to monitor any update.

Sometimes CIBIL itself sends a complimentary free report if there is any change in your CIBIL account. This report is password-protected, and the password is the first four characters of your name and birth year. If you don’t receive a complimentary report from CIBIL, purchase a subscription plan on their website.

If you find the “Written-off” status still exists in the new report, immediately write back to the lender again with the new or recent CIBIL report and ask for their explanation on it. At the same time, call the lender and CIBIL customer care and tell them the problem. Follow their process step by step, and I hope your problem will solve accordingly.

Now you may ask how you get the lender’s email address? Make a google search or visit the lender’s official website, then go to the contact page, and you will surely get the email ids of the lender.