How to open a dispute?


In Person

Visit our office located in Dar es Salaam, to request your credit report and open a dispute with the help from our staff.


By Email or via our Subscribers

Contact us via email and share with us all details required or you can interact with us via our subscribers.

Who can dispute?

Only a Data subject; an individual or a business entity whose data could be collected, processed and disclosed to third parties in the credit information sharing system.

When can a Data subject dispute?

Only after receiving his/her credit report;​In the event where the customer believes that the information contained in the database is inaccurate, erroneous or out-dated, the customer may notify the bureau in writing by filing a dispute.

What can a Data subject dispute?

Credit related information contained in their report.

Inaccurate credit related information

  • Payments reported late that were actually on time (Past due amounts)
  • Inaccurate credit limit/loan amount or account balance
  • Inaccurate account status, for example an account status reported as past due when the account is actually current


  • Accounts that aren’t theirs
  • Inaccurate creditor

Outdated information

  • Entries older than six years;
  • Any adverse information where more than six years have expired since the adverse information was placed in the database or last reaffirmed
  • Non-updated credit information; both loan and Personal information’s

How can a Data subject dispute

For individuals in Dar es Salaam

  • Consumer comes to our office to request their Credit Report ​
  • Consumer fills out the request form in full​
  • We validate their ID against the detail filled in on the form ​
  • We make a copy of the ID and printing it out ​
  • The Consumer report is generated ​
  • Upon the creation the form, report and copy of ID are brought to Operations for dispatch sing off ​

For individuals outside Dar es Salaam

  • The consumer has to interact with us via subscriber of ours.​
  • We go through the same form filling and ID verification, but this happens by the bank​
  • The email is forwarded to CIT who will re-check the ID against the form​
  • If correct the Consumer report is generated and sent to the designated receiver as per the form ​

What you need to know about disputes?

Inaccurate information can appear on your credit report for various reasons. Usually, it is due to incomplete information reported to the credit bureau by your creditor(data provider). That is why we encourage you should check your credit report on a regular basis, As a data subject you are entitled to receive one free annual credit report without score. Below you can check the most important information about dispute management.

Errors you should be looking for when reviewing your credit report:

  • Mistakes in your personal information such as spelling or incorrect address.
  • Account information, which includes balances and limits, payment history.
  • Inaccurate account status, for example an account status reported as past due when the account is actually current
  • List of the parties that have accessed your credit report (inquiries). It’s also good to check all the items in collections.
  • Remember that your credit score cannot be a subject of dispute because it is an output of a scoring model and cannot be changed as such.

What information will you need to open a dispute?

  • You will be asked to verify your identity, so have your ID document ready.
  • Request your credit report by completing credit report request form.
  • Open a dispute by completing credit report dispute form
  • List of the inaccuracies you have spotted on your credit report.
  • Any proof that could support your claim, such as documentation from court, bank statement, letters from a lender. 

What does a dispute investigation process look like?

  • If dispute originates from Credit Bureau, then Credit Reference Bureau is required to investigate and resolve the dispute within 15 working days from the date of receiving customer‘s dispute.
  • If dispute originates from a data provider, Credit Bureau is obliged to inform a data provider on a disputed information.
  • Data provider is required to investigate and resolve the dispute within fifteen(15) working days from the date of receiving customer‘s dispute from Credit Bureau.

Possible outcomes of the dispute:

  • Credit Bureau will notify the data subject on the final outcome of the disputed credit report.
  • Credit Bureau to provide a free credit report to a data subject whose disputed information has been corrected.
  • When a data subject do not accept the final outcome of the dispute, he/she may appeal to the Bank Of Tanzania.