The Ultimate Credit Improvement Hub
Your Credit Report is Your Financial Passport
In India, a strong score across all four bureaus is essential. It's not just about one "CIBIL score"; it's about your total credit health. We help you master it.
TransUnion CIBIL™
The most commonly known report, checked by most banks for personal loans and credit cards.
Experian
Often used by private and nationalized banks, becoming increasingly important.
Equifax
Provides detailed credit information used by many financial institutions.
CRIF High Mark
Especially strong in tracking micro-finance loans and rural credit history.
Common Roadblocks We Clear
Credit reports can be full of complex issues that lead to loan rejections. We specialize in resolving these specific problems with a proven, human-centric approach.
Wrong 'Written-Off' or 'Settled' Status
An account you've paid is still hurting your score. We work to get it corrected or removed.
'Suit Filed' Status
This is a serious red flag for lenders. We help you understand and resolve the underlying issue.
Accounts Not Belonging to You
Mistakes happen. We help you dispute and remove fraudulent or incorrect accounts from your name.
Incorrect Payment History
Late payments that were actually on time? We challenge these inaccuracies with the bureaus.
Settlement Clarifications
A 'settled' status is better than 'written-off', but we can often negotiate for even better outcomes.
General & Personal Info Errors
Incorrect names, addresses, or PAN details can cause major problems. We ensure your identity is clear.
Our Proven Path to a Better Score
We follow a transparent, customer-centric process that delivers real, lasting results. This is our formula for your success.
Deep Analysis
We analyze reports from all four bureaus to get a complete 360-degree view of your credit health.
Strategic Rectification
Our team identifies inaccuracies, disputes them systematically, and follows up relentlessly with banks and bureaus.
Lasting Improvement
We provide a clear, actionable plan to not only fix current issues but also build a stronger score for the future.
Myths vs. Reality
Don't let wrong information hurt your financial health. Here are the simple facts.
Checking my CIBIL score will lower it.
Not true. Checking your own score is a 'soft inquiry' and doesn't hurt it. Only when many banks check it for loans (hard inquiries) can it drop.
If I close my loan, it gets removed from my CIBIL report.
Not true. A closed loan stays on your report for up to 7 years. But showing it as 'paid' is much better than leaving it unpaid.
Closing my old credit card will boost my score.
Actually, the opposite can happen. It can reduce your credit history length and make your debt look bigger compared to your total limit, which can lower your score.
The Advantages of a Strong Credit Score
Improving your score is an investment in your future, unlocking a world of financial benefits.
Ready to Take Control of Your Financial Future?
Whether you want to improve your score or resolve a specific loan issue, our team is here to assist you. Let us help you achieve your goals with our customer-centric approach.
My CIBIL score was low and I was stuck. Credaegis helped me fix the issues, and it completely changed my financial situation. Their guidance was excellent.
Rohan Patel
IT Professional, Bengaluru
I needed a loan for my boutique, and Credaegis made it happen. They understand the needs of small business owners and genuinely care. Highly recommended.
Sunita Sharma
Boutique Owner, Mysuru
Getting an education loan felt complicated, but Credaegis made it so simple. Thanks to them, I'm now studying abroad without any financial stress.
Arjun Krishnan
Student, from Mangaluru