Frequently asked questions

Your CIBIL score is a 3-digit number from 300 to 900 that lenders use to decide whether to give you a loan or credit card, and at what interest rate. A higher score means easier approvals and lower rates. Scores above 750 are considered excellent.

Yes. For a limited launch period, our full AI credit-repair service — worth ₹5,000 for 3 months — is completely free. No credit card is required to start, and the initial check is a soft enquiry that never affects your score.

No. We use a soft enquiry, which does not affect your score. Only hard enquiries made by lenders when you apply for credit can temporarily lower it.

It depends on what is on your report. Customers with genuine errors removed have seen 40 to 90+ point increases, often with first movement within 30 days. We never guarantee a specific number.

Our AI reads your full CIBIL report, finds errors, duplicate accounts and disputable late payments, ranks them by score impact, and drafts each dispute for you. You approve before anything is filed; we then follow up with the bureaus.

Common disputable items include accounts that are not yours, duplicate loans or cards, incorrect balances or limits, loans wrongly marked as settled or written off, late payments caused by bank errors, and outdated information that should have dropped off.

Not to start. You only share basic details for the soft check. Documents are needed later only for specific disputes, and the AI tells you exactly what is required.

Yes. We use bank-grade 256-bit encryption and never file a dispute or share your data without your explicit approval.

No — and no legitimate company can. Accurate negative records cannot be removed before they naturally age off. What we can do is correct genuine errors and build you a plan to rebuild your score over time.

We tell you in advance. You can continue on an optional paid plan for ongoing monitoring, or simply stop — there is no auto-charge because we do not take card details to start. Resolved disputes stay resolved.

We serve customers across India, including Ahmedabad, Surat, Rajkot, Vadodara, Mumbai, Bangalore, Pune, Hyderabad and Jaipur, with local guidance in your language. We are also expanding to the United States.

No. We are an independent service that helps you exercise your rights under the Credit Information Companies (Regulation) Act, 2005. CIBIL is a registered trademark of TransUnion CIBIL Limited; we are not affiliated with them.