Understanding 'Written Off' Status in CIBIL Reports and Its Impact on Your Credit Score

A 'written off' status in your CIBIL report indicates that a lender has deemed your outstanding debt uncollectible after prolonged non-payment, typically over 180 days. This designation significantly lowers your credit score, signaling to future lenders a high-risk borrowing profile. To rectify this, promptly settle the outstanding amount with your lender and obtain a No Dues Certificate. Subsequently, request the lender to update your CIBIL report to reflect the cleared dues, which can gradually improve your creditworthiness. 

Source: Airtel Blog