What is Credit information Company or Credit Bureau?

A CIC collects information about an individual's payments on loans and credit cards. This information is shared by Banks and other Credit institutions on a monthly basis. This information is then used to generate your Credit Report, which includes your Credit Score. This score and your credit report is then reviewed by various institutions for evaluating your loan application.

What is Credit Help India?

Credit Help India is a leading and premier credit advisory company run by professionals who have decades of experience. It aims at providing the requisite help to customers to build and boost their Credit Score and Credit Rating.

How do I get my CIBIL CIR and Transunion Score?

You can apply online by visiting the CIBIL Transunion website. You will need to go through a three step process: fill an application form, make an online payment of Rs.550, and answer a few authentication questions.

AI-powered Smart credit help. Built for India.

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Q: What is the role played by CIBIL?

CIBIL is a repository of information that collects and maintains the data provided by Banks and NBFCs, where individuals have or had loans in the past. It has information about individual past and present repayment history and the status of individual loan accounts, personal information such as individual identity information, employment history, contact information, etc. It also keeps track of all the enquiries that individual has made for credit from various banks and financial institutions.

Open doors to better loans, cards, and rates.

Loan rejection, low score, no credit history or starting a new
business we find what's wrong and fix it.

FREE

Bank-grade security

RBI compliant

Equifax Certified

Working with all 4 credit bureaus

Customers helped

₹0+ Cr

Loans assisted

See improvement

Bank & lender partners

Bankers, CAs & DSAs

PAN India

Across India

For Individuals

Fix your credit. Get the loan you need.

See your credit score clearly
Know why your loan got rejected
Get loan-ready, faster

For Businesses (MSME)

Build business credit. Unlock the funding you need

Build strong business credit
Qualify for MSME loans
Get advice to grow your business

Step 01

We Fetch Your Credit Report

We pull your official credit report directly from Equifax in seconds. You don't have to download anything, fill long forms, or go anywhere. Just sit back we get the full picture for you.

Step 02

AI reads every line for you

Your credit report has hundreds of data points that are hard to understand. Our system reads all of it and finds out exactly what's helping your score and what's quietly hurting it.

Step 03

Know your approval odds upfront

Thinking of applying for a home loan, car loan, or credit card? We instantly show you how likely banks and lenders are to say *yes* to you — before you even apply. No more rejections that damage your score further.

Step 04

We Give You a Clear Action Plan

Instead of guessing what to do, we give you a simple to-do list — ranked from most impactful to easiest. Small steps that actually move your score up, explained in plain language anyone can follow.

Step 05

A ranked plan, not just advice

Your credit score can change any month. We track it for you and send you alerts on WhatsApp the moment something changes — so you always stay in control, without having to check yourself.

Basic

Best For

For individuals looking to fix credit report issues and improve their credit score.

Detailed Credit Report Analysis
Identification of Errors & Negative Remarks
Credit Issue Resolution Support
Personalized Improvement Suggestions
Basic Score Improvement Guidance
Email Support
Basic Score Improvement Guidance

₹10,999 + GST

For 3 months

Standard

Best For

For customers seeking guided credit improvement with expert support.

Detailed Credit Report Analysis
Identification of Errors & Negative Remarks
Credit Issue Resolution Support
Dedicated Credit Expert
Monthly Credit Monitoring
Structured Score Improvement Program
Priority Email & WhatsApp Support
Guidance for Better Loan Eligibility

₹14,999 + GST

For 6 months

✦ Most Popular

Premium

Best For

For customers seeking complete credit rebuilding and long-term growth.

Detailed Credit Report Analysis
Identification of Errors & Negative Remarks
Credit Issue Resolution Support
Dedicated Relationship Manager
Senior Credit Expert Assistance
Continuous Credit Monitoring & Alerts
Smart Progress Tracking
Faster Resolution Coordination
Loan Readiness Assessment
Priority Case Handling
Advanced Credit Strategy Planning
Premium Support Experience
Personalized Credit Improvement Planning

₹19,999 + GST

For 9 months

Exquisite

Best For

For customers seeking premium, personalized credit management.

Dedicated Senior Credit Strategist
One-to-One Personalized Consultation
End-to-End Credit Management
Premium Monitoring & Automation Support
VIP Case Escalation Handling
Banking Coordination Assistance
Customised Credit Health Roadmap
High Ticket Loan Readiness Planning
Fast Track Priority Handling
Exclusive Relationship Support

Starting from

Starts from ₹25,000

+ GST · Final price set after consultation

For 12 months

Certified Partner

Bank-level encryption

Same level as your bank's app

Your data stays in India

Stored on Indian servers, never leaves

CISA Certified

CISA certified expertise aligned with RBI data privacy guidelines

We work with all 4 Credit Bureaus

All 4 credit bureaus — CIBIL, Experian, Equifax, CRIF

Why does this matter?

Your credit score can vary by 30–80 points across bureaus. A lender might check CIBIL but your error is sitting on your Experian report. We check all four so nothing gets missed.

100% SecurePrivate and Confidential

Score Factors

Payment History95%

Credit Utilisation28%

Credit Age62%

Your 90-day plan

Pay credit card by 5th

Reduce card usage to 30%

Close unused store card

Complete this to reach score 740+

Your Credit Score

12 points↑

Your score went up 12 points in last 1 month.

Equifax Authorised Partner

Credit Solutions for Individuals & MSMEs

RBI

Regulated bureau access

Certified Credit Advisors

⁺

Expert Credit Counsellors Every Step

8 yrs

Average advisor experience

Data security

256

bit

Bank-grade AES Encryption keeps your financial data secure

Annual

Independent security audit

Average fix time

<90

Days to measurable credit score improvement

30 days

First results typically visible

Meera Singh

Individual Testimonial

Because of professional guidance of Credit Help India. My accounts has been resolved and updated in Cibil in a month time and shown remarkable improvement in my Cibil Score. Thank you Credit Help.

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Frequently Asked Questions

CIBIL is a repository of information that collects and maintains the data provided by Banks and NBFCs, where individual have or had loans in the past. It has information about individual past and present repayment history and the status of individual loan accounts, personal information such as individual identity information, employment history, contact information, etc. It also keeps track of all the enquiries that individual has made for credit from various banks and financial institutions.

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