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Overview
CIBIL/credit repair involves improving a poor credit score or credit history by addressing or removing negative items on your credit report. This can include inaccuracies or issues due to missed or late payments. Although fair credit reporting practices mandate accurate credit information, navigating the resolution process can be complex.
NBFC Advisor offers services to simplify this process by identifying and disputing negative items on your behalf.
Factors Affecting Credit Reports:
- Days Past Due (DPD): Records late EMI payments. DPD cannot be amended once recorded.
- Negative Flags: Includes written-off accounts, settled accounts, and suits filed. These can only be removed by repaying the bank.
- Enquiries: Inquiries on credit reports cannot be amended.
- Multiple PAN Cards: Holding multiple PAN cards is a criminal offense and is detected by CIBIL.
- CIBIL Score: Dynamic and affected by repayment patterns.
Service Plans
1. Basic (Rs. 599)
- Detailed CIBIL (TransUnion) Report
- Credit Report Analysis
- Identifying Inaccuracies
- Assessing Negative Items
2. Standard (Rs. 9,999)
- Everything in Basic
- Issue Resolution
- Dedicated Account Manager
- Score Improvement Guidance
- CIBIL Subscription
3. Premium (Rs. 20,999)
- Everything in Standard
- Issue Resolution on all four credit bureaus (CIBIL, CRIF, Experian, Equifax)
- Credit Score Monitoring for 1 Year
4. Commercial (Rs. 24,999)
- Analysis of the Credit Report
- Identification of CMR Ranking Reasons
- Issue Resolution
- CMR Ranking Improvement
Our Process
- Credit Report Analysis: We generate your CIBIL/credit report and plot a plan targeting all the negative items affecting your credit eligibility.
- Credit Disputing: Our expert team will dispute and challenge incorrect information and negative flags on your behalf via online and appropriate correspondence.
- Dispute Escalation: For negative flags, fraudulent transactions, and items requiring additional correspondence, we keep the process rolling and ensure your credit history is on track.
- Credit Score Analysis and Mentoring: Through our online platform, we offer seamless access to your credit report analysis and credit advisory to help you achieve financial freedom.
Key Points:
- CIBIL repair can improve credit eligibility.
- Negative flags cannot be removed without repayment.
- Credit repair is a structured process, typically taking around three months.
- NBFC Advisor offers various plans tailored to different needs and budgets.
Testimonials
“I approached NBFC Advisor for CIBIL score issues and it was solved within the given time. The service was excellent because of the clarification with the CIBIL report and the suggestions provided for the issues. Thank you so much for your valuable help!” — Archana Tyagi
“NBFC Advisor sincerely worked on our case to correct errors in our CIBIL report. Though the pandemic and lockdown hampered the functioning of financial institutions, they always gave us updates. They delivered their commitment and are now working on further improvements. We highly recommend their services.” — Krishna Kumar
“I was troubled by unnecessary issues affecting my CIBIL score and my eligibility for financial assistance. After researching, I opted for the CIBIL score enhancement services of NBFC Advisor. I’m happy to mention that all the issues were cleared, and my CIBIL score improved as promised.” — Tim
Why Use Our CIBIL/Credit Repair Service?
Proof in the Numbers:
Since NBFC Advisor was founded, we have served hundreds of thousands of consumers suffering from inaccurate entries in their credit reports.
Legal Framework Expertise:
We leverage every legal support available to fix your credit issues and help you become credit eligible.
Understanding the Credit Repair Process:
- Setup & Discovery: We onboard you onto our platform, generate your report, and examine it closely to identify all negative items affecting your loan eligibility and credit score.
- Challenge & Dispute: We reach out to credit bureaus and lending institutions to verify these negative items as accurate and fair. If they fail to do so, they are required to immediately remove them.
- Manage & Monitor: We educate you to manage and monitor your credit wisely. If a new credit issue appears, we can immediately step in to help you fix it.
How Long Does It Take?
Unfortunately, there is no quick fix for credit repair. Each case involves a series of steps in the resolution process, making it hard to predict the exact duration. Typically, clients use our services for about six months. With our team of credit experts and streamlined processes, we aim to get you results efficiently.
Contact Us
NBFC Advisor helps you understand and navigate the credit repair process, ensuring a fair and accurate credit report for consumers. For more details, visit our website or contact our support team to resolve your credit-related issues and improve your CIBIL score.