Credit Score Correction & Improvement (CIBIL, Experian, Equifax, CRIF)₹999/-* (report review)

What a credit report is, and who reads it

Every loan and card you hold is reported by the lender to four credit information companies — TransUnion CIBIL, Experian, Equifax and CRIF High Mark. Each bureau compiles a credit information report (CIR) on you and scores it on a 300–900 scale. Since 1 July 2026 lenders report to the bureaus weekly (it was fortnightly through 2025 and monthly before that), so a payment or a closure reaches the bureau within days. RBI rules give you one free full report from each bureau every year, and require you to be alerted by SMS or email whenever a lender pulls your report or reports a default.

A lender pricing a loan reads the score first, then the detail behind it: days past due (DPD) on each account, "settled" or "written-off" flags, the share of your limits in use, and how many lenders have pulled your report recently. For a proprietorship that is the whole picture. For a company or LLP the bank also pulls the commercial report and its CIBIL Rank (CMR), a 1–10 rank where 1 is the strongest.

What we check, line by line

• Every account — is it yours, is the status right (open, closed, settled, written-off), are the sanctioned amount and balance correct.
• Every DPD entry — was the payment actually late, and is the lender counting from the right date.
• Enquiries — each one matches an application you made; a run of unknown enquiries is a fraud signal.
• Personal details — a wrong date of birth, address or PAN variant can split your history into two thin files.
• Duplicate and stale accounts — the same loan reported twice, or a card closed years ago still counted in your utilisation.
• For a business: the commercial report, the CMR, and whether the promoters' personal reports carry the entity's guarantees correctly.

How a dispute works

• We draft the dispute with the evidence — closure letter, NOC, statement — and file it on the bureau's dispute portal under your login.
• The bureau refers it to the lender, who must respond within 30 days. We chase the lender's nodal desk in parallel.
• If the lender agrees, the bureau updates the record; the score reflects it on the next reporting cycle.
• If the lender disagrees, we escalate — the lender's grievance officer, then the RBI Integrated Ombudsman — with the paper trail already built.
• Once corrections land we pull the report again so you see the change before you apply anywhere.

The improvement plan

Where the report is accurate, the score moves on behaviour, not paperwork — and the order matters. Utilisation responds fastest: paying card balances below 30% of the limit before the statement date shows within one or two cycles. Enquiries fade next; a six-month pause on new applications is often worth more than any payment. Payment history is the slowest and the heaviest — twelve consecutive on-time months is what lifts a band.

The plan we write is specific to the loan you are planning: which balances to clear, which accounts to keep open, whether a secured card or a small loan would help the mix, and the month in which to apply. It is one page, dated, with the expected band at each step.

What we will not do

• Promise a score. No one controls the bureau's model; we control the inputs.
• "Delete" an accurate default, a genuine settlement or a real enquiry. That is not correction, it is fraud, and the bureaus prosecute it.
• Take your bureau login. Disputes are filed with you present or under your own credentials.
• Charge a success fee. The fee is fixed, quoted in writing, and does not depend on what the bureau decides.