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Credit Improvement Services

Resolve Negative Items on your Credit Report & Get your Credit Score Back on Track

Have you missed a few EMIs in the past? Are missed EMIs and delayed loan payments hurting your credit score? Looking to fix your credit and get it back on track? Are negative accounts bringing your credit score down?

The good news is that you don’t have to live with bad credit forever! At CreditMantri, India’s no.1 Credit Resolution Services provider, we’ve got the right tools and expertise to help you out.

We help you take control of your credit score, getting your credit life back on track!

How do our Credit Improvement Services (CIS) work?

We Educate & Analyse

We analyse your credit report to understand the impact of negative accounts on your credit score. Our credit experts will educate you on what happens when you have a negative account and guide you on the best way forward. We also identify inaccuracies on your credit report and help you raise a dispute to resolve it.

We Coordinate & Resolve

We coordinate with the lender to get the best repayment plan for you to clear your outstanding dues. We then guide you regarding the residual amount that you have to pay to the lender directly. Once you have made the payment, we follow up with the credit bureau to ensure that the negative account is resolved successfully.

We Recommend

We recommend a customised plan for you to further improve your credit score and build a credit-positive lifestyle. Also, post resolution, we help you get the best credit cards and loans matched to your credit profile. We also suggest ways to reduce EMIs, increase savings on loans and build a sound financial future.

Credit doesn’t have to be overwhelming.

Find out how you can get your credit back on track and unlock your credit potential.

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What makes our Credit Improvement Services stand out?

Credit Dashboard

Our state-of-the-art credit dashboard gives your latest credit information at your fingertips. See and understand the impact of each credit item on your credit report. You can also track the progress you make and see how your credit score improves over time.

Personalised Service

We dedicate a specific "credit coach" for each customer. The credit coach understands your credit history and profile to provide you with the best solutions and support.

Transparent and Genuine Guidance

We don't make tall promises that fit all. We understand that each credit situation is different. That's why you can trust us for transparent and genuine guidance every step of the way.

Data-Driven

CreditMantri has a large user base of over 14 million registered users, and we have helped 1 million+ customers improve their credit score. Our unique data-based approach helps us understand each customer well and suggest the best possible solutions.

Trusted by more than 16+ million users

At CreditMantri, we care about the financial freedom of all our customers. So, whether you want to get approved for a large home loan or looking to upgrade your car with an affordable car loan, we are here to help you every step of the way. We work with you to improve your credit score, to help you realise your dreams. Check out what our customers have to say about us.

Varun Sharma

CreditMantri's Credit Health Report gave me a detailed analysis of my credit activities, missed payments, monthly spending etc. The reports were very easy to understand and affordable too.

Gayathri Vasudev

My loan got rejected in 2019, due to a low credit score. Thanks to Credit Health Report for guiding me the right way & helping me improve my credit score. Right now my score is 820 & my loan got approved too.

Chris John

I didn’t know anything about credit score, until last year when my loan got rejected. During the lockdown, I subscribed to Credit Health Report. The detailed reports helped me understand my credit score better & get it back on track.

Ashwin Mohan

Wonderful app. It is very easy to use and convenient too. I can keep a close tab on my credit health & also track where my money is going. I recommend it 100%.

Ved Sharan

I applied for a loan through CreditMantri & got instant approval. Thank you for making the process so easy.

Punit Mathur

Thanks for all the help. Dealing with you was an excellent experience. I am delighted to state that my case was very professionally handled by you and your organisation. I would like to congratulate you for keeping high professional standards. Thanks once again for getting my issues resolved.

Shekhar Das

I have been using the CreditMantri app for the past 1 year and I am very satisfied with it. It’s user friendly & you get everything at your finger-tip- credit score, monthly spending, best loans & credit cards etc. Thank you CreditMantri for this amazing app.

Mohd Fazil

With CreditMantri's help, I resolved my negative accounts, after which my credit score also started going up. Thank you CreditMantri for helping me improve my credit score.

Binu Jose

My transport business took a major hit during the lockdown. I thought of taking a loan to sustain my business. However, my loan application got rejected as I had a low credit score due to my negative accounts. That’s when I took CreditMantri’s help. They helped me resolve my negative accounts and get my credit score back on track. Thank you, CreditMantri.

FAQs

Find answers to all your queries about our Credit Improvement Services

1
Why should I be worried about a poor credit score?

A credit score lower than 750 could keep you from:

Getting approved for a home loan, car loan, personal loan, etc.
Borrowing from the best lenders
Securing the best rates on your loans
Getting approved for the best credit cards

In a nutshell, a bad credit score acts as a hurdle blocking all your loan prospects. It makes it more challenging to get a loan or credit card. Even if you manage to secure one, the deals offered are likely to be unfavourable.

So, you need to get your credit on track to improve your credit prospects and save money on loans.

2
How long does it take for my credit score to get back on track after I opt for CIS?

Every credit situation is different, so it depends where you are now to see results. On average, our members see results in 6 months.

3
How much does it cost?

We’ve got different plans to suit the needs of each customer. To know more about our pricing, chat with our credit coach for instant support.

4
What is a negative item on my credit report?

Any item in your credit report that could potentially lower your credit score is considered a negative item. Late payments, missed EMIs, settled accounts, collections, repossessions, bankruptcies, etc., are common negative items.

5
I have scored a lower amount to pay to the bank than what CreditMantri has suggested. Why the extra amount?

The reason why you have worked a lower amount to pay is because you would have opted to get the account as settled. A settled account is still considered a negative account. Hence, we don't suggest this option as part of our Credit Improvement Services.

6
How long does it take to see the change recorded on my credit report after paying the pending amount to the lender?

Generally, it takes around 45 to 60 days for the payments to be updated in the bureau records.

7
Why should I pay for credit improvement?

Think of credit improvement as an investment. Spending a little today could save you thousands of rupees on future loans and protect you from the disappointment of rejected loan applications.

8
Can I stop paying my bills after the negative item is removed?

No. Even after the negative item is removed from your credit report, you have to continue paying all your EMIs, credit card bills and other bills on time to maintain and boost your credit score. Paying your bills on time and in full is one of the easiest and most efficient ways to build an excellent credit score.

9
Does CreditMantri guarantee credit improvement?

Sadly, no! Credit improvement depends on your individual profile and cannot be universally guaranteed. However, we guarantee that our team will leverage our expertise and experience to help you reach the credit score you deserve.

10
Are your services legal?

100%. Everything we do is legal, and we have built deep relationships with the credit bureaus and 50+ lenders in this space.