CIBIL Repair
A three-digit number lenders trust more than your word
Your CIBIL score is a 300–900 rating calculated by TransUnion CIBIL based on your credit history — repayment record, credit utilisation, credit mix and enquiry frequency. Most lenders set a minimum threshold, commonly around 650–700, before they’ll even consider your application.
Why it matters
One number, several consequences
A weak score doesn’t just cause rejections — it also means higher interest rates on the loans you do get approved for, lower credit limits, and sometimes rejected rental or job background checks. Correcting it is rarely just about “getting a loan”; it’s about the cost of every future credit decision.
Late or missed payments
Even a few days' delay, if reported, can lower your score for months.
Reporting errors
Accounts marked "settled" instead of "closed," or loans that aren't yours at all.
High credit utilisation
Regularly using a large share of your credit card limit signals risk to lenders.
Too many hard enquiries
Multiple loan or card applications in a short window suggest credit-hungry behaviour.
Old settled accounts
Past settlements (paying less than owed) stay flagged and hurt approval odds.
Guarantor defaults
If you've stood guarantor for a loan that defaulted, it can affect your own score.
How we rebuild your score
Report Audit
We pull and review your full credit report line by line for errors, negative entries and risk factors.
Dispute Filing
Inaccurate entries are formally disputed with the credit bureau and the relevant reporting lender.
Score-Building Plan
We recommend specific actions around utilisation, repayment timing and account mix to lift your score.
Monthly Tracking
We monitor your score monthly until it reaches a stronger and more approvable range for your goal.
Frequently Asked Questions
Is it legal to dispute entries on my credit report?
Yes. Every credit bureau in India, including TransUnion CIBIL, provides a formal dispute resolution process for inaccurate or outdated entries. We only file disputes for genuine errors.
Can you guarantee a specific score?
No credible service can guarantee an exact score, since scoring involves factors outside any advisor’s control. We commit to a documented process and realistic timeline based on your report.
Will checking my own credit report lower my score?
No. A self-check (soft enquiry) does not impact your score. Only hard enquiries from lenders reviewing a loan application affect it.
What if some negative entries are accurate, not errors?
We can’t dispute accurate entries. In that case, we build a repayment and utilisation plan to offset them over time instead.
