We are A Credit Repair Company, as the credit penetratation in the country is increasing and the process lending involves using Credit Reports provided by multiple Credit Bureaus like CIBIL, Equifax and Experian, there are increasing cases where the customer is unable to get a loan because of negavative credit history, Credit Repair India assists the Applicant to get their Credit history corrected in the credit Bureaus and also assists them to get the best settlement offer from the lending institution for their loan defaults.

As per the credit Information Act of 2005, all the credit information of the customers has to be reported to the Credit Bureau where this information is uploaded into a database, Every customer has a credit score which denotes your credit health.

A credit bureau is a company that collects loan information from various lending institutions on a monthly bases, in the process the entire payment track record for each loan is present with them. Banks and Lending institutions at the time of underwriting a new applicant accessthe Credit Bureau’s database to check the past track record and the details of the existing loans of the applicant.

The use of Credit Reports though is a recent practice but almost all the loans that is sourced make use of these reports for underwriting. The information in the report might determine whether the applicant should be accepted or rejected.

In India though the major use of the credit reports is for loan approvals, the use of these reports is expected to increase, some mobile phone service providers have started checking the credit Score for new applicants. The Credit reports might be used by employers to check the credit behaviour and other details of new job applicant.

Maintaining a healthy credit history and monitoring the same on a periodic basis will assure that you will always be eligible for credit, it will also protect you from any unpleasant surprises where your loan application might get rejected because of poor credit history records.

Credit Repair India will analyse your credit report and device a plan to improve your credit worthiness, we on your behalf, pursue each step with the credit bureaus and the Banks to resolve each of your credit issues to increase your credit score as high as possible.

Apart from being used at the time of loan underwriting, Credit Reports have been gaining importance for decision making for the following purposes.

• Insurance premium calculation
• Job Applications
• Utility connection

There is no upfront registration fee and the entire payment has to be made post we have repaired your credit history. If you want CRI to apply for your credit reports to the various Credit Bureaus we will have to collect the applicable report fee from you to pay to the respective Credit Bureaus. 

Yes. CRI’s goal is to improve your Credit Score to the highest level possible and maintain it.

We will initiate a discussion with your creditors to resolve the loan in question, as there will be an active discussion with your creditors there should be no need to deal with the collection agencies separately.

All the errors in the report will get corrected immediately and it will take about 30 days for the improvement to reflect on your credit report.

We will be available for free credit counselling, you will also be able to access all of your information on the internet with your personalised login ID and password.