We Repair Your Credit Score and Helps Rebuild Your Financial Need

A credit score is a three-digit number ranging from 300 to 900 that reflects your creditworthiness. It is generated by credit bureaus such as CIBIL, Experian, Equifax, and CRIF High Mark based on your credit behaviour.

A credit score of 750 or above is considered good in India and increases your chances of loan and credit card approvals at lower interest rates.

A low credit score can be due to missed EMI payments, loan defaults, credit card overuse, settlements, write-offs, multiple loan enquiries, or errors in your credit report.

Yes, credit repair is legal in India when done through proper dispute resolution, repayment discipline, and compliance with RBI and credit bureau regulations.

Credit repair timelines vary. Minor issues may improve within 30–45 days, while serious issues like defaults or settlements may take 6–12 months or longer.

A credit report error includes incorrect personal details, wrong loan amounts, duplicate accounts, loans that do not belong to you, or closed loans shown as active.

You can raise a dispute directly with the credit bureau or lender by submitting supporting documents. As per RBI rules, disputes must be resolved within 30 days.

Loan settlement is when a lender accepts less than the total outstanding amount as full and final payment due to financial hardship of the borrower.

A settled loan is marked as “Settled” and negatively impacts your credit score. It remains on your credit report for up to 7 years.

A loan write-off means the bank has removed the loan from its books, but recovery and legal action can still continue against the borrower.

Genuine settled or written-off loans cannot be removed legally. However, incorrect or outdated information can be corrected with valid proof.

Missing one EMI can negatively impact your credit score if the delay exceeds 30 days and is reported to credit bureaus.

High credit card utilisation, minimum-only payments, and revolving balances reduce your credit score. Usage below 30% is recommended.

Credit utilisation ratio is the percentage of credit used against the total available limit. Keeping it below 30% helps maintain a healthy credit score.

No. Checking your own credit score is a soft enquiry and does not impact your credit score.

Hard enquiries occur when lenders check your credit report for loan or credit card applications. Multiple enquiries in a short time lower your credit score.

Yes. If the borrower defaults, the guarantor’s credit report is affected and legal liability applies.

A Non-Performing Asset (NPA) is a loan where EMIs are unpaid for more than 90 days, leading to severe credit score damage.

Defaults, settlements, and write-offs stay on your credit report for up to 7 years from the date of last payment.

Yes, but with difficulty. Loans may come with higher interest rates, lower limits, or require collateral or a guarantor.

Yes. Fraudulent loans taken using your PAN or Aadhaar can damage your credit score and must be reported immediately.

PAN card, Aadhaar card, credit report, loan statements, payment receipts, bank statements, and NOC if available.

No. Credit score is based on credit behaviour, not income level.

Credit repair results are permanent only if healthy credit habits such as timely payments and low utilisation are maintained.