TRUSTED BY CLIENTS AT
INDIA'S LEADING BANKS & NBFCs
How It Works
Our CIBIL dispute process follows RBI guidelines exactly — the official methodology applied by our certified experts on your behalf.
Our certified counsellors review your credit report in detail, categorise all disputable items — wrong records, settled accounts marked open, missed payments that were actually paid — and build a prioritised repair strategy.
Matches CIBIL Step 1: Identify inaccurate information in your report
- Credit Report AnalysisOur certified counsellors review your credit report in detail, categorise all disputable items — wrong records, settled accounts marked open, missed payments that were actually paid — and build a prioritised repair strategy.
- File Bureau DisputesWe file formal disputes via official CIBIL, Equifax, Experian and CRIF portals simultaneously, and send lender letters as required by RBI guidelines — covering all four bureaus at once.
- Bureau Investigates with LendersThe credit bureau contacts the lender to verify or correct disputed data within the RBI-mandated 30-day window. We track every open case and escalate delays on your behalf.
- Credit Score ImprovesOnce verified errors are corrected or removed, your report updates across all bureaus. Most clients see 50–150 point improvement within 30–90 days of dispute resolution.
- Get Your Loan ApprovedWith your improved CIBIL score we match you to the right lender for home, business or personal loans — at significantly lower interest rates than you would have qualified for before.
Credit Report Analysis
Expert ReviewStep 1 of 5
Our certified counsellors review your credit report in detail, categorise all disputable items — wrong records, settled accounts marked open, missed payments that were actually paid — and build a prioritised repair strategy.
Matches CIBIL Step 1: Identify inaccurate information in your report
Complete Process: How It Works
- Step 01: Credit Report Analysis — Our certified counsellors review your credit report in detail, categorise all disputable items — wrong records, settled accounts marked open, missed payments that were actually paid — and build a prioritised repair strategy. (Matches CIBIL Step 1: Identify inaccurate information in your report)
- Step 02: File Bureau Disputes — We file formal disputes via official CIBIL, Equifax, Experian and CRIF portals simultaneously, and send lender letters as required by RBI guidelines — covering all four bureaus at once. (Matches CIBIL Step 2: Bureau notifies the lender — 30-day window begins)
- Step 03: Bureau Investigates with Lenders — The credit bureau contacts the lender to verify or correct disputed data within the RBI-mandated 30-day window. We track every open case and escalate delays on your behalf. (Matches CIBIL Step 3: Lender updates the bureau with correct information)
- Step 04: Credit Score Improves — Once verified errors are corrected or removed, your report updates across all bureaus. Most clients see 50–150 point improvement within 30–90 days of dispute resolution. (Matches CIBIL Step 4: Dispute resolved — updated report issued within 45 days)
- Step 05: Get Your Loan Approved — With your improved CIBIL score we match you to the right lender for home, business or personal loans — at significantly lower interest rates than you would have qualified for before. (Result: Higher score → better loan terms, lower interest rates)
Why 10,000+ Clients Trust Credit Consultant
We combine deep credit bureau expertise, RBI-compliant legal processes, and direct lender advisory to deliver guaranteed CIBIL score improvements.
100% RBI Compliant
CICRA Act, 2005 Dispute Guidelines
100% Legal & Bureau-Sanctioned Disputes
We file formal disputes under Section 21 of the Credit Information Companies (Regulation) Act, 2005 directly with CIBIL, Equifax, Experian and CRIF.
Personalized Case Strategy & Expert Advisory
No generic automated dispute templates. A dedicated senior credit manager analyzes your bureau report item-by-item and creates a tailored resolution plan.
Multi-Bureau Settlement & Error Corrections
We clean up settled accounts, written-off tags, identity errors, wrong delinquency reporting, and unauthorized hard inquiries across all 4 bureaus.
Direct Bank Loan Approval Advisory
Once your score reaches 750+, we assist in securing home, personal, and business loans from leading partner banks at pre-approved low interest rates.
Zero Hidden Fees & Transparent Process
Free initial CIBIL credit report analysis. Clear milestone-based resolution steps with 100% transparency — no surprise charges or hidden clauses.
What Our Clients Say
Real stories and CIBIL score improvements from clients across India
"Credit Consultant helped me remove a settled loan entry and two wrong missed-payment records. My score jumped from 541 to 762 in just 5 months. I got my business loan approved at 10.5%."
Rajesh Kumar
Business Owner, Bengaluru
"Credit Consultant helped me remove a settled loan entry and two wrong missed-payment records. My score jumped from 541 to 762 in just 5 months. I got my business loan approved at 10.5%."
Rajesh Kumar
Business Owner, Bengaluru
"I had a write-off from 2019 that was blocking every loan application. The team filed disputes with CIBIL and directly with the lender. Seven months later my score is 714 and I finally got my home loan approved."
Priya Sharma
IT Professional, Mumbai
"I had applied to 6 lenders in one go — destroying my score with hard enquiries. Credit Consultant cleaned up the enquiry damage and helped me build my score from 623 to 798 in 4 months. Outstanding service."
Amit Patel
Entrepreneur, Delhi NCR
Loan Products & Advisory
Financing solutions tailored to every need — home, business, personal, or vehicle loans at pre-approved interest rates.
Home Loan
Rates from 8.35% p.a., up to ₹5 Cr, 30-year tenure.
Business Loan
Collateral-free SME loans up to ₹50 L with 48-hr disbursal.
Personal Loan
Instant approval, no collateral, flexible repayment up to ₹40 L.
Car Loan
100% on-road price financing with minimal documentation.
Our Services
Individual & Commercial Credit Services
We keep individual and commercial credit services completely separate — choose the one that fits your need.
Individual Credit Report Services
Personal CIBIL score repair, home loan advisory and credit dispute resolution for salaried professionals, self-employed individuals and NRIs — available across North, South, East and West India.
Sample PAN card — for illustration only
- Personal CIBIL Score Repair
- Credit Report Dispute
- Home & Personal Loan Advisory
- Identity Protection
Available in 66 cities across all 4 regions
Commercial Credit Information Report Services
Business CIBIL CMR repair, commercial credit building, MSME loan advisory and B2B debt management for proprietorships, partnerships, LLPs and private limited companies across India.
Sample Company PAN card — for illustration only
- Business CIBIL CMR Rank Repair
- Commercial Loan Advisory
- MSME / Mudra Loan Facilitation
- B2B Debt Management
Available in 66 cities across all 4 regions
North India
Delhi, Gurgaon, Noida, Chandigarh, Jaipur…
South India
Bengaluru, Chennai, Hyderabad, Kochi…
East India
Kolkata, Patna, Bhubaneswar, Guwahati…
West India
Mumbai, Pune, Ahmedabad, Surat…
Awards & Recognition
Recognised for Excellence
Best Credit Advisory Firm
FinTech Leaders Council India
Excellence in Credit Repair
Indian Financial Empowerment Forum
Innovation in Debt Resolution
Debt Recovery Outlook Summit
Real Results
Client Success Stories
Before and after CIBIL scores from real Credit Consultant clients across India
Rajesh K.
Bengaluru · Settled loan + missed EMIs
541
Before
762
After
Achieved in 5 months
Priya S.
Mumbai · Write-off entry on report
488
Before
714
After
Achieved in 7 months
Amit P.
Delhi NCR · Multiple hard enquiries
623
Before
798
After
Achieved in 4 months
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