What Is Written Off in CIBIL? Meaning, Impact & How to Clear It in 2025

 If your credit report shows a loan or credit card written off, it can be a worrying sign. But it's also something that can be resolved with the right steps. In this guide, we’ll explain what is written off in CIBIL, how it affects your loan eligibility, and how to clear written off in CIBIL effectively in 2025.

What is written off in CIBIL?

CIBIL uses the term "written off" to mean that your lender has already written off your loan or credit card as a loss due to the non-payment for a long duration of time, generally after 180 days (6 months) of default EMIs. This is also referred to as a charge-off or written-off status.
But this does not repay the debt either. You remain indebted to the lender. The only difference is that the lender has reclassified the loan from their current assets and reported the default to credit reporting agencies such as CIBIL.

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