To purchase (on your behalf) one detailed CIBIL report known as Consumer Information report (CIR).
To facilitate the compliance and KYC requirements of CIBIL in order to obtain your CIR.
To review and analyze your Credit History and Credit Score as per your CIR.
To identify issues of bad credit history and suggest / advise/ offer consultation to resolve them.
To identify discrepancies on the CIR and suggest / advise / offer consultation to resolve them.
To suggest / advise / offer consultation on the steps and actions to take to improve credit history and credit score.
Credit Repair Services for mutually agreed accounts of concern.
One free CIR offered to customer, customer to specify whether he wants it before the service or at the end of the service.
Up to two CIBIL Dispute IDs are allowed by CIBIKL per CIBIL report
purchased. Only the first two dispute IDs are offered free with
membership. Relevant documentation to be supplied by client before
raising disputes so that we can raise them in the first instance itself.
Delays in submitting your documentation would require to raise fresh
In the event of the situation where Financial Institution / Banks /
Agencies involved accept to change the status from “Settled /
PO(WO)Settled / Written Off to “Closed” or “Null” status, we will inform
you the applicable CIBIL Masking / Clearance amount after negotiating
with Financial Institutions / Banks /Agencies involved for your specific
Account/s of concern. Payment has to be made by you in the same month
for the specified amount to be valid.
Financial institutions typically take 60 – 90 working days for each
account of concern after the date of payment made to them for changes to
be reflected in their database.
CIBIL typically takes 45 – 60 days for dispute resolution of valid issues after banks have made changes to their database.
It is the discretion of the Financial Institution / Banks to accept
our proposal for changing the status. Banks may also refuse to reopen
any settled accounts. Any such actions by the banks should / cannot be
considered as deficiency in our services. Our services are mainly to
advise and suggest the right actions to be taken to improve your Credit
standing or Rating.
If the financial institutions do not adhere to their stated
commitments / processing time, we will help escalate the issue to the
corresponding ombudsman. Delays by Financial institutions cannot be
considered as deficiency in Credit Consultant services.
Resolution time is also dependent on customer providing valid
documents / funds requested by financial institutions needed by us to
resolve the issue.
Client escalation with description of issue to
email@example.com, if no response is received from assigned
service team member within 7 working days per request.
Credit approval and sanctioning is dependent on the respective bank
and financial institutions credit policy and document verification.
In the event that the bureau / credit institution mandate to receive
customer requests via email directly from the customer email id, we
will assist in formulating the content of their expected response and
request you to forward the same to the bureau / credit institution.
Lifetime enrollment means fresh enrollment fee need not be paid again for the same type of enrolment on revisit.
Any legal dispute is subject to the jurisdiction of courts in Bangalore.