Common Issues We Solve

Late or Missed EMI Payments

Rectify credit history affected by delayed payments and update accurate payment records to improve your score.

Written-Off or Settled Accounts

Update settled or written-off accounts properly in your CIBIL report to remove negative impact on future applications.

High Number of Credit Enquiries

Guide strategic credit applications and dispute unauthorized hard enquiries that lower your score.

Wrong or Duplicate Loan Entries

Identify and remove incorrect, duplicate, or fraudulent entries damaging your creditworthiness.

Personal Information Mismatch

Resolve name, PAN, date of birth, or address mismatches that lead to loan rejections.

Closed Loans Not Reflecting

Ensure fully paid loans are marked as "closed" to improve credit utilization and demonstrate responsible repayment.

High Credit Card Utilization

Optimize credit card usage patterns to maintain utilization below 30% for better credit score.

Our Approach

1. Obtain and Analyze Your CIBIL Report: We pull your complete credit report and conduct a thorough analysis to identify all issues affecting your score.

2. Identify Error and Impact Areas: Our experts pinpoint specific errors, discrepancies, and negative factors that are pulling down your creditworthiness.

3. Raise Bank-Level and Bureau-Level Disputes: We file formal disputes with both lenders and credit bureaus to correct inaccurate information and remove unfair entries.

4. Guide in Building New Positive Credit Behavior: Receive personalized advice on credit card usage, loan applications, and repayment strategies to strengthen your profile.

5. Help You Reach a Healthy Score (700+): Through systematic correction and credit rebuilding, we work with you until you achieve a score that opens doors to better financial opportunities.