Fake CIBIL calls and apps

Callers pretending to be CIBIL agents sell score boosts or threaten defaulter lists. Know how to check your own report.

CIBIL (TransUnion CIBIL) is an Indian credit information company that keeps credit records and issues credit scores and reports. Because many people use it, scammers pretend to be CIBIL on phone calls, in apps and on WhatsApp. This page lists the lies they usually tell and how to check before you act.

Lines used in fake CIBIL calls and apps

Caller offers to raise your score by removing negative entries for payment
Fake credit counsellor asks for Aadhaar and PAN photos
Caller claims a loan in your name needs settling with a stranger
Voice says an agency will list you as a defaulter unless you pay immediately

How to verify it yourself

Your credit score and report can be downloaded from the credit bureau's official website or app, which you type or install yourself, and one free report a year is available under regulator rules. Scores reflect your repayment history, so nobody can improve them for a fee by deleting entries. Disputes are raised with the lender and the bureau directly. A caller threatening to list you as a defaulter is using pressure, so verify with your own report.

Quick checklist

Do not tap links or call numbers inside the message.
Open the official app, or type the official website yourself, and look for the same notice.
Never share an OTP, PIN, CVV or password with anyone, including "staff".
If money moved, call 1930 and your bank at once.

How Safeavio helps

Safeavio Sentinel's phone scan lists apps outside a store, risky permissions and settings such as unknown sources, and the Money Shield checklist slows you down before you send money. It cannot stop a call, but it helps you spot a fake app afterwards.

Check it before you tap or pay

Safeavio Sentinel is a made-in-India Android app: paste a message or link, or scan a QR code, and get a plain verdict with the reasons. It helps you spot a scam; it does not promise to stop every one.

Download for Android What the app does

Google Play listing: coming soon. Today the signed APK is on safeavio.com/download. Android 7.0 or later.

Questions

A caller says they are from CIBIL. Is it real?

Treat it as unverified. Hang up and contact CIBIL through its official app or the number printed on your card, bill or official website. Never install an app or share an OTP because a caller asked.

Can CIBIL ask me to install an app on a call?

Be very careful. Scammers use screen-sharing and fake apps to watch your screen and read OTPs. Install apps only from the official store listing that you find yourself, never from a link or a caller.

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CIBIL is a trademark of its owner. This page is not affiliated with or endorsed by CIBIL; it only describes how scammers pretend to be it.