In a CIBIL report, the term "Written-off" refers to a loan or credit account where the borrower was unable to pay their dues, and the lender had to write-off the loan amount. This status is detrimental to the health of a CIBIL score, as it indicates that the borrower cannot be trusted with money in the future. The written-off status is subdivided into Written-Off (Total) and Written-Off (Principal). In case of Written off – total, the 100% amount is written-off including principal and interest. In Written Off – Principal, total principal amount written-off is reported. Having a written-off tag marked on a loan/credit account on a CIBIL report can be rectified by filing a dispute online with TransUnion CIBIL. To clear the "Settled" status from a CIBIL report, the borrower needs to pay the outstanding amount on the loan and get a No Objection Certificate (NOC) from the lender.