Home · How it works
Process
Clarity first. Commitment second.
Four stages, three commitments, and payment only after you have read our review of your report.
03 · How it works
Clarity first. Commitment second.
Every engagement begins with your own bureau report — the one you share with us, or the one we help you pull from the bureau's portal. We analyze it, share our review, and set expectations. Payment comes after that, not before. This free credit report analysis — the full report read, the fixable items identified, our review in writing — is the same first step for every client, in every city, and it costs nothing.
Analyze
Your bureau report, read line by line. We share our review, what's fixable, what isn't, and your fixed price — before any payment.
Dispute & rectify
Disputes raised with bureaus and lenders through proper channels, backed by documentary proof — not just objections.
Verify
Every dispute tracked to closure and verified across bureaus. A fix isn't done until it shows on the record.
Rebuild & grow
A practical plan to grow from the corrected base — habits and structures that keep the improvement.
Said upfront, not in fine print
Accurate negative history cannot be deleted — by us or by anyone else. What can be fixed is everything that's genuinely wrong, and that alone moves more scores than most people expect.
Money-back promise
If the corrections we committed to aren't reflected within the committed 30–45 working-day window — and your case file is complete on your side — our refund policy applies. Read the full policy.
Grounded in regulation
Our dispute practice is built on the Credit Information Companies (Regulation) Act, 2005 (CICRA) — the law that gives you the right to an accurate report. Where a lender or bureau fails to resolve a genuine dispute, escalation follows the RBI's Integrated Ombudsman Scheme (RB-IOS).
The details that matter
What each stage actually involves.
Getting your report
Individuals: share any report you have, or we'll walk you through the free annual full report every bureau owes you. Companies: reports are paid bureau documents — we'll point you to the right one for your entity.
The review conversation
Before any payment, you hear our honest read: which entries are disputable, which are accurate and must be outweighed instead, the realistic timeline, and your fixed price — in writing.
Documentary proof, not objections
Disputes carry sanction letters, statements, NOCs, closure letters — evidence a bureau and lender must answer under the Credit Information Companies (Regulation) Act, 2005.
Verification across bureaus
A correction on one report isn't a correction. We track every fix across CIBIL, Experian, Equifax and CRIF High Mark — because lenders check more than one.
Quick answers
The process, answered first.
How does credit repair actually work?
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How long does credit repair take?
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Do I need to buy my credit report before starting?
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What law gives you the right to dispute my credit report?
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What happens if a lender or bureau simply ignores the dispute?
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“They said it would be fixed in thirty-five to forty-five days — everything was fine in thirty.”Francis XavierHDB written-off remark corrected · documented case
“I didn't have to go through any hassle — from desperately looking for help, to now that it has been done.”Sivaramakrishnan & Vidya BalajiSBI Card case, Bengaluru · documented case
Step one costs you nothing: our review of your report.
Call — or leave your number and we start from there.
080 6824 8827 or WhatsApp us — replies in minutes