Credit Score powered by our Bureau Partners 
® | 
Get your FREE Credit Score & Report in just 2 minutes
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.
Subscribe NowWhat makes our Credit Improvement Services stand out?
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.
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.
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.
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+ millionusers
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.
FAQs
Find answers to all your queries about our Credit Improvement Services
A credit score lower than 750 could keep you from:
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.
Every credit situation is different, so it depends where you are now to see results. On average, our members see results in 6 months.
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.
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.
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.
Generally, it takes around 45 to 60 days for the payments to be updated in the bureau records.
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.
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.
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.
100%. Everything we do is legal, and we have built deep relationships with the credit bureaus and 50+ lenders in this space.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application
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.