Fix Your CIBIL Score.
Get the Loan You Deserve.

Common CIBIL Issues We Resolve

These are the most frequent errors we find and fix in clients' CIBIL reports.

Frequently Asked Questions

What is a good CIBIL score for a loan?

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A score of 750 or above is considered excellent and gives you access to the best interest rates from most banks. Scores between 700 and 749 are acceptable but may attract slightly higher rates. Below 650, most lenders will either reject the application outright or impose very high interest rates and strict conditions. If your score is below 700, getting it reviewed and corrected before applying is strongly advisable.

How long does it take to improve a CIBIL score?

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It depends on the root cause. If the issue is an incorrect or fraudulent entry in your report, formal disputes typically take 30 to 90 days once the lender confirms the correction with the CIBIL bureau. If the issue is behavioural — high credit utilisation, missed payments, or too many recent enquiries — consistent corrective action takes 3 to 6 months to reflect meaningfully in your score. We give you a realistic timeline after reviewing your report.

Can wrong entries in a CIBIL report be removed?

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Yes. Under RBI guidelines, every individual has the legal right to dispute incorrect information in their credit report. The process involves submitting a formal dispute to the bureau, supported by evidence from the lending institution. We draft the dispute letter, coordinate directly with the bank or NBFC, and follow up with CIBIL until the error is corrected or removed. Most errors — if genuinely incorrect — are resolved within 30 to 60 days.

What causes a low CIBIL score?

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The most common causes are: missed or delayed EMI or credit card payments, high credit utilisation ratio (using more than 30% of your credit limit), multiple loan enquiries made in a short period, settled or written-off accounts that were not updated correctly by the lender, duplicate loan entries in the report, and in some cases, loans opened fraudulently in your name without your knowledge. A single missed payment can drop a good score by 50 to 100 points.

How much does the CIBIL score improvement service cost?

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The initial CIBIL report analysis is completely free. Service fees depend on the number and complexity of disputes to be filed. All fees are quoted transparently upfront before any work begins — there are no hidden charges. Importantly, we do not recover a success fee if an incorrect entry cannot be removed after a genuine dispute process. You will know the cost before you commit.

Why was my loan rejected despite making regular payments?

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Regular payments are important but they are only one factor. Banks evaluate several other parameters: your credit utilisation ratio, the number of hard enquiries made recently, the age and mix of your credit accounts, and whether any past account appears as 'settled', 'written off', or 'suit filed' — even if it was resolved. A single such entry can override a clean payment history. We analyse your complete credit report and identify the exact reason for rejection so it can be addressed before you reapply.