CIBIL is a true example of mafia who wants to dictate term and squeeze money from people by fake psychological threat of financial credibility. No matter how good your financial history might be, they would make sure that there are some gaps and score is kept low. For example my Experian score is excellent and I know atleast that all my previous financials are upto mark. I found to my surprise that CIBIL score is low. I was literally surprised. I went to their website to raise dispute and get clarity on that and to my further surprise, in order to submit your concern you have to buy some paid package from them. This is nothing but a scam, they are just showing wrong report and kinda scaring people to buy their packages to access report.
These organisations should be banned.