India's first credit bureau
TransUnion CIBIL
- Established in 2000.
- Promoted by SBI and HDFC.
- Now majority-owned by TransUnion, USA.
- Widely recognised for consumer credit scores.
- Also provides CIBIL Rank for MSMEs.
CA-backed credit report advisory Nagpur
Loan Rejected?Your credit report may have a mistake.
Our Service
We go through your credit reports from all 4 credit bureaus, CIBIL, Experian, Equifax and CRIF High Mark, and give you a complete, easy-to-understand picture of your credit score.
Consultation Fee: ₹499
- CA-BackedAdvisory
- All 4Credit Bureaus
- 100%Confidential
- Clear &Fixed Fee
Your Credit Score
Illustration only
642
Needs Work- Closed loan shown as activeError
- Late payment that was paid on timeError
- Credit card usageHealthy
Understand your score
What is a credit score?
Your credit score is a three-digit number, usually between 300 and 900.It reflects how you manage loans and credit cards.Banks and NBFCs use it to assess your creditworthiness.It can influence loan approvals, interest rates and borrowing limits.
750 – 900
GoodFaster approvals and better interest rates on most loans and cards.
650 – 749
AverageLoans are possible, but often at higher interest or with additional conditions.
300 – 649
Needs WorkFrequent rejections. Check first for errors, as they may be pulling your score down.
What moves your score
5 things that decide your credit score
Your credit score is influenced by several aspects of your financial behaviour. Understanding these factors can help you make better credit decisions.
- 01
Payment History
Paying every EMI and credit card bill on time is important. Even one late payment can negatively affect your credit profile.
Biggest impact
- 02
Credit Card Usage
How much of your available credit card limit you use. Keeping utilisation under approximately 30% is generally considered healthy.
High impact
- 03
Length of Credit History
Older, well-maintained accounts help establish a longer credit history. Think carefully before closing an old credit card.
Medium impact
- 04
Credit Mix
A combination of secured loans, such as home or car loans, and unsecured credit, such as personal loans and credit cards.
Medium impact
- 05
Recent Loan Enquiries
Applying for multiple loans or credit cards within a short period can negatively affect your credit profile.
Medium impact
Is this you?
Common errors that pull your score down
Errors and outdated information can sometimes appear in credit reports. Identifying these discrepancies is the first step towards getting them reviewed.
- 01
Wrong late payments or overdue amounts
Late payments or overdue amounts shown despite payments being made on time.
- 02
Closed loans showing as active
Loans already closed but still marked as active in the report.
- 03
Unrecognised accounts
Accounts or credit cards that do not belong to you, potentially due to a mix-up or fraud.
- 04
Duplicate entries
Duplicate records or multiple entries for the same loan.
- 05
Incorrect personal information
Wrong name, PAN linkage, date of birth, address or other personal information.
- 06
Settled status
A settled loan that may be eligible for an updated closed status after full repayment, subject to lender verification.
Only inaccurate, incomplete or outdated information can be corrected. Genuine negative information cannot simply be removed.
Not just CIBIL
India has 4 credit bureaus. Your bank reports to all of them.
Most people know only CIBIL. But India has four credit information companies, each maintaining its own credit records and calculating scores independently.
Global credit bureau
Experian
- Indian arm of Experian.
- One of the world's largest credit information companies.
- Licensed to operate in India.
- Widely checked by banks, NBFCs and credit card issuers.
Over a century of credit reporting
Equifax
- Indian arm of Equifax, USA.
- Established internationally in 1899.
- Licensed to operate in India.
- Covers individuals and businesses.
Strong in small-ticket lending
CRIF High Mark
- Started as India's High Mark.
- Now part of CRIF, Italy.
- Licensed to operate in India.
- Relevant to microfinance, rural and small-ticket lending.
All four are regulated by the RBI under the Credit Information Companies (Regulation) Act, 2005.
One person, four reports
Same person. Four different scores.
Each bureau maintains its own records and calculates a score using its own model. The same person can therefore have different scores across different bureaus.
CIBIL
771
GoodExperian
758
GoodEquifax
736
AverageCRIF High Mark
641
Needs Work
Why scores differ
- Each bureau uses its own scoring model.
- Lender updates may reach different bureaus at different times.
- Errors may appear in one bureau's report but not another.
Why it matters to you
- A lender may check the bureau containing the error, even if your CIBIL score is good.
- A lower score can affect interest rates and loan amounts.
- Incorrect information can affect your lending profile.
That's why we check all four reports, not just CIBIL.
Myth vs fact
What most people get wrong
Myth: "I'm on the CIBIL blacklist."
Fact: There is no CIBIL blacklist. Lenders assess your credit history and make decisions according to their own lending policies.
Myth: "Checking my score lowers it."
Fact: Checking your own credit report does not reduce your score. A personal report check is different from a lender's credit enquiry.
Myth: "Settled means the problem is over."
Fact: 'Settled' means the lender accepted less than the full outstanding amount. A 'Closed' status generally indicates full repayment.
Myth: "Only my CIBIL score matters."
Fact: Lenders may check different credit bureaus. An error in another bureau's report may still affect your loan application.
Myth: "Being a guarantor doesn't affect me."
Fact: A loan for which you act as guarantor can appear in your credit history. Missed repayments may affect your credit profile.
Myth: "Errors can never be fixed."
Fact: Incorrect or incomplete information can be disputed with the relevant credit bureau and lender. Genuine information cannot simply be removed.
Our services
Tailored Support for Your Credit Report Needs
Whether you are an individual dealing with credit-report errors or a business preparing for financing, we provide guidance and support tailored to your requirements.
For individuals
Individual Rectification
Professional support for individuals looking to understand their credit reports, identify discrepancies and take appropriate steps towards correcting inaccurate information.
- 1.Four-bureau credit report analysis
- 2.Identification of incorrect or outdated information
- 3.Dispute preparation and filing support
- 4.Follow-up with credit bureaus and lenders
- 5.Assistance with loan closure letters and NOCs
- 6.Settlement and closure guidance
- 7.Credit score improvement planning
- 8.Loan-readiness advisory for home, car and personal loans
For businesses & MSMEs
Company Rectification
Credit report advisory and rectification support for companies, firms and MSMEs looking to review their business credit profiles.
- 1.Commercial Credit Report (CCR) review
- 2.Business credit information verification
- 3.Identification of incorrect entries
- 4.Business credit dispute assistance
- 5.Lender and vendor coordination
- 6.Loan and payables verification
- 7.CIBIL Rank guidance for MSMEs
- 8.Working capital and business loan readiness
- 9.Guidance on directors' and partners' personal credit profiles
How it works
A Simple 3-Step Process
From understanding your concerns to helping you navigate the correction process, we keep every step clear and transparent.
- 01
Consultation
Share your concerns through our website form or WhatsApp. Tell us about your loan rejection, reporting error or business credit concern.
Our team will understand your situation and explain the information required for an initial review. A consultation fee of ₹499 applies.
- 02
Detailed Analysis
We review the available credit report information, identify possible discrepancies and explain which entries may be eligible for correction.
You receive a clear assessment of the findings, recommended actions and applicable service fee before paid work starts.
- 03
Dispute Support & Follow-up
After obtaining your authorisation, we assist with valid disputes and follow up with the relevant credit bureaus and lenders.
We help you understand the outcome and provide guidance on maintaining a healthy credit profile.
Credit report basics
Make Sense of Your Credit Report Information
A credit report contains more than just a score. Understanding what each section means can help you identify discrepancies and make informed financial decisions.
Understand Your Account Details
Learn how loan accounts, credit card accounts, outstanding balances and repayment records are presented.
Understand Repayment History
Learn how payment history, overdue amounts and missed payments appear in your report.
Review Enquiries and Account Status
Understand hard enquiries, active accounts, closed accounts, settled loans and other reporting information.
Know What to Check
Understand which information may need clarification from your bank, NBFC or credit bureau.
Why choose CreditSolution
Professional Guidance. Transparent Support.
CreditSolution is a service by Sayani Business Consultancy, led by Saleha Ayaz Sayani, supporting individuals, businesses and MSMEs in Nagpur and beyond.
Independent Advisory
An independent credit report advisory, not affiliated with any credit bureau.
Honest Assessment
Clear guidance on what can and cannot be corrected. No false promises.
Confidentiality
Financial information handled carefully and used only for the agreed service purpose.
Transparent Fee
Service scope and applicable charges shared before work begins.
Practical Guidance
Assistance in understanding credit reports, disputes and loan-readiness.
Financial Advisory Experience
Support connected with broader financial advisory services, including GST, income tax and company-related matters.
Credit knowledge
Learn More About Your Credit Profile
Credit Reports01
How to Read Your Credit Report, Section by Section
A plain-language walkthrough of personal details, accounts, payment history and enquiries, and what to check in each.
7 min readRead More
Loan Readiness02
Settled vs Closed: Why It Matters for Your Next Loan
Two words that look similar on a report but tell lenders very different stories about how an account ended.
5 min readRead More
Rectification03
Seven Common Errors in Credit Reports and How to Fix Them
From closed loans shown as active to accounts that are not yours, what to look for and how a dispute works.
6 min readRead More
Myths04
Is There a CIBIL Blacklist? Understanding the Reality
Why the idea of a 'blacklist' is a myth, and what actually happens when a lender says no.
4 min readRead More
FAQ
Frequently Asked Questions
Find clear answers to common questions about credit reports, credit scores and the rectification process.
Still have questions? Speak with our team.
Chat on WhatsAppA credit score generally ranges from 300 to 900. A score of 750 or above is generally preferred by many lenders. Lending decisions also depend on income, repayment capacity and lender policies.
Contact
Let's Review Your Credit Report Together.
Share a few details about your concern. Our team will contact you to understand your requirements and explain the next steps.
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