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CIBIL ScoreTips and Guides
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Instant ReportSecure and PrivatePowered by EquifaxRecent Activity
Credit Score increasedYes
Negative Flags ClearedYes
Loan ApprovedYes
Factors Affecting Your Score
Payment History100% On time
Credit Utilisation23%
Active Accounts8
Credit Age4.5 yrs
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Good Credit Score Shapes Lending Decisions. Your credit score affects loan approvals, credit limits, and interest rates.
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Expert AnalysisWhere do you stand?
What's your credit situation?
Wherever you are, we have a path forward. Tell us your situation and we'll show you exactly what to do next.
I have
Credit Report Issues
- Settled accounts still showing as active
- Written-off loans incorrectly listed
- Wrong loan entries on report
- Incorrect personal information
I have
Low Credit Score
Below 650- Score below 650
- No settlement or written-off accounts
- Loan rejections with no clear reason
- Score improvement possible in 90 days
I have
Good Credit Score
750+- Score above 750
- No credit issues on report
- Eligible for home, personal & business loans
- Want ongoing monitoring & alerts
Our Offerings
Whatever's blocking your credit, we can help you fix it.
Get expert guidance and fix your credit in years months!
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
What our plan includes
Tenure of service and number of counselling session vary from product to product
Credit Report Analysis
Detailed credit report review to identify issues and improvement opportunities.
Error & Credit Issue Resolution
Expert assistance resolving credit disputes with banks and lenders efficiently.
Personalized Credit Plan
Personalized action plans tailored to your credit profile and goals.
Expert Credit Consultation
Dedicated guidance from experienced experts throughout your credit journey.
Credit Progress Tracking
Regular monitoring of credit score progress and overall improvement.
Dedicated Customer Support
Continuous support through Email, WhatsApp, and dedicated relationship assistance.
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Loans assisted
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Bank & lender partners
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Bankers, CAs & DSAs
PAN India
Across India
We work with all 4 Credit Bureaus
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.
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Real Customer Results
Real People. Real Credit Transformation.
Documented outcomes from individuals that improved their credit & unlocked funding
Case Study
Rahul from Pune fixes credit defaults and gets his ₹45 Lakhs home loan approved
Credit Score Transformation90 Days Active Resolution
Highlights
- Cleared multiple outstanding defaults & inaccuracies from credit report
- ₹45 Lakhs home loan approved after CIBIL reached 750
Want to Improve Your Credit Score?
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How it works
Fix your credit in 5 simple steps
No jargon. No confusion. A clear path to a better score.
Step 01
Get Your Credit Report
Upload your report or securely fetch your latest Equifax report through Credit Help India.
Step 02
AI Credit Analysis
Our AI scans every section and finds what's hurting your credit score.
- Low score & bad history
- Late payments & high usage
- Incorrect or missing info
- Wrong or duplicate loans
Step 03
Expert Review
Our credit experts verify each issue and explain how it impacts your score and loan eligibility.
Step 04
Correction & Resolution
We work with banks, NBFCs and bureaus to correct:
- Closed loan & payment updates
- Settlement & written-off updates
- Reporting inaccuracies
- Incorrect personal details
- Wrong or duplicate loans
Step 05
Better Credit Health
We track your report until corrections reflect and guide you to a stronger credit score.
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Monthly EMI₹10,1385yr Loan
76%24%FreeNo phone number asked
EMI Calculator
See your EMI, total interest, and loan costs instantly.
Subscription Plan
Stay on top of your credit & get AI Powered Credit Alerts, every month.
Plans for individuals and businesses. New reports every month. Score alerts on WhatsApp.
- Monthly Credit Report Monitoring
- Real-time score-drop alerts on WhatsApp
- Cancel anytime, no lock-in
- Now loan Inquiry Alerts
- New Account Alert
- PAN misuse Alerts
Powered by Equifax
Score FactorsPayment History95%
Credit Utilisation28%
Credit Age62%
Your 90-day planPay credit card by 5th
Reduce card usage to 30%
Close unused store card
Complete this to reach score 
Your Credit Score30 points↑
Your score went up 30 points in last 1 month.
Trusted by 1,00,000+ satisfied customers
Why thousands trust Credit Help India
Equifax Authorised Partner
#1
Credit Solutions for Individuals & MSMEs
RBI
Regulated bureau access
Certified Credit Advisors
25
+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.
For business owners
Do you also run a business? Your CMR matters as much as your CIBIL.
Plans for MSME and Businesses Owners. New reports every month. An advisor whenever you need one.
- CMR analysis for your MSME
- GST & banking health cross-check
- Business loan eligibility assessment
CMR
Good
CMR Rank
Business credit score
Before
6
Now
2
Jumped 4 ranksFrequently 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.
Read our blog
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CIBIL ScoreTips and Guides
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