Personalized credit counselling and CIBIL dispute support across India.
Credit Counselling India (CCI) – Passion to Resolve Your Financial Challenges
Welcome to Credit Counselling India (CCI) – your trusted partner in credit repair, financial recovery, and debt resolution. We are a leading credit advisory and support organization offering customized solutions to help individuals and businesses regain financial stability and confidence. With our core philosophy, “Passion to Resolve,” we address credit challenges with compassion, strategy, and professionalism.
Are you struggling with a low CIBIL score, high debts, loan rejections, or financial stress? You’re not alone. Millions of Indians face these challenges daily. At CCI, we bring hope and clarity with our comprehensive credit counselling and recovery services.
Our mission is simple: To restore financial health and empower every Indian to reclaim their creditworthiness.
✅ Tailored Credit Solutions
✅ Certified Credit Counsellors
✅ Transparent Processes
✅ CIBIL & Credit Score Repair
✅ Debt Negotiation & Consolidation
✅ Budgeting & Financial Literacy Support
✅ PAN India Services
✅ Affordable & Ethical Guidance
We work with clients from all walks of life – salaried employees, business owners, self-employed professionals, students, and homemakers – to resolve credit issues and unlock financial potential.
Whether it’s a denied home loan, auto loan, credit card application, or business finance, CCI is here to help you fix, rebuild, and recover.
Our Core Credit Repair and Financial Recovery Services
Credit Report Analysis & Dispute Resolution
We are not just a service provider—we are your financial transformation partner. Our experts guide you with patience, precision, and persistence until your financial health is restored.
Errors can occur for several reasons, such as:
If these inaccuracies aren’t corrected, they can harm your credit profile and restrict your financial opportunities. Our goal is to identify and dispute these errors to safeguard your financial future.
Your Credit Score Affects:
Loan Eligibility: Lenders use your credit score to assess whether you’re eligible for a loan, and in what amount.
Interest Rates: A higher credit score can lead to lower interest rates on loans and credit cards, saving you money in the long term.
Credit Card Approvals: Your score influences your chances of getting approved for credit cards and determining your credit limit.
Rental Applications: Landlords often check credit scores to gauge the likelihood that you’ll pay rent on time. A lower score could make it harder to rent a place.
Insurance Premiums: Some insurers use your credit score to determine the cost of premiums, especially for auto and homeowners insurance. A lower score may result in higher premiums.
Employment Opportunities: Some employers check credit scores as part of the hiring process, especially for positions involving financial responsibility.
Any late payments, disputes, or negative marks can hurt your credit score, while responsible credit use (paying on time, reducing debt, etc.) can help boost it. This is why credit repair, if needed, is so important to maintain your financial health.
Credit Counselling India (CCI) was founded with a vision: to help individuals and businesses break free from the chains of poor credit, bad financial decisions, and debt burdens.
In a country where financial literacy remains low and credit awareness even lower, we took the bold step to become India’s most approachable and transparent credit counselling service. Our foundation is built on empathy, ethics, and empowerment.
With over a decade of industry experience and a team of certified counsellors, financial analysts, and debt negotiators, we have successfully resolved credit issues for thousands of Indians.
We’ve seen clients walk in with fear and frustration—and walk out with hope and a roadmap to financial recovery.
Our Vision
To be India’s most trusted credit recovery and financial counselling organization, restoring financial dignity and independence to every individual we serve.
Our Mission
To resolve credit problems with personalized support, raise financial literacy, and promote long-term credit wellness through ethical and effective solutions.
Our Core Values
Meet the Team
Our strength lies in our people. The CCI team is composed of:
Complete Credit Wellness Under One Roof
At CCI, we offer a 360-degree approach to credit repair, debt resolution, and financial wellness. Our services are customized to meet individual credit challenges with the goal of long-term stability.
What We Do
We offer a plethora of informative articles, tools, and free resources to empower our readers. Our goal is to instill awareness that viable options exist regardless of the complexity of your financial situation. With unparalleled content covering various topics such as debt reduction, student loan consolidation, real estate transactions, and retirement planning, we equip you with the knowledge needed to make informed financial decisions. Upon completing our form, we guide you towards a program tailored to your needs, whether it involves debt consolidation and management, student loan consolidation, or bankruptcy.
Our Process
We Analyze Your Report: Every credit report must be analyzed precisely by an expert to ensure that all loops are covered. We ensure that all four credit reports are analyzed, and all solutions available for your creditworthiness are discussed with you.
We Listen to You: We listen to your side pertaining to your credit report and credit profile and work on the solutions as per your unique needs. Your risk assessment in your credit report and profile will bring out unique solutions for improving your credit score and credit profile improvement.
We Plan for You: We chart a plan that you select from the various solutions that have been discussed with you in detail, and then we also select an alternative plan in case of any unavoidable situation. We keep you informed about all the developments and, at the same time, expect you to keep us informed about the latest developments.
Your CIBIL score is the key to your financial credibility. A low score can result from errors, defaults, overdue accounts, or past mistakes. We:
Whether your score is below 650 or you’ve had loan rejection, we help you:
Create a personalized credit improvement plan
Been denied a personal loan, home loan, or car loan?
Don’t give up. We:
Drowning in credit card debt, personal loans, or EMI overload?
Our expert debt counsellors will:
Analyze your total debt profile
If you’re unable to pay your credit card bills:
Our financial experts guide you in:
A written off status in your CIBIL credit report indicates the lender has deemed the debt unrecoverable due to missed repayments. This affects your credit score severely, though the debt isn't waived. Seeking credit counselling can help you address written-off accounts, rebuild your CIBIL profile, and work toward financial recovery.
A Suit Filed remark in your CIBIL report means legal action has been initiated due to loan default. This severely impacts your credit score and creditworthiness. Only full repayment—not settlement—can remove this status. Expert credit counselling and debt resolution services can guide you in addressing such issues and restoring your financial credibility.
To improve your credit score, focus on timely payments, low credit usage, and maintaining older accounts. Regular account activity and a balanced credit mix help too. For personalized strategies, services like credit counselling, CIBIL dispute resolution, debt management, and loan assistance can guide you in boosting your credit score and managing financial responsibilities effectively.
A willful defaulter is someone who can repay a loan but intentionally avoids doing so. This leads to severe legal and financial consequences, including a negative CIBIL report remark and damaged credit score. Though there’s no official CIBIL defaulter list, such records impact creditworthiness. Credit counselling and debt resolution services can help address these issues.
Loan settlement allows borrowers in financial distress to repay a reduced lump sum instead of the full amount. While it offers debt relief, it negatively impacts your credit score and CIBIL report. Expert credit counselling, debt management, and loan assistance services can help assess alternatives before opting for this last-resort solution.
Hunter is a fraud detection system that flags fabricated documents and inconsistencies in loan applications. Used by Experian in India, it cross-verifies data to identify fraud risks. A flagged CIBIL report can harm your credit score. Services like credit counselling, fraud resolution, and debt prevention can help restore credibility and manage financial risks effectively.
Knowledge is power—and when it comes to your finances, it’s everything.
The CCI Blog is your go-to destination for up-to-date, jargon-free insights into:
EMI Calculators and Budget Tools
As the CEO of RK – Passion To Resolve, I take immense pride in leading one of India’s most respected credit advisory services. With a robust nationwide presence, our mission is clear: to help individuals reclaim financial stability and build lasting creditworthiness through integrity, guidance, and personalized solutions.
At RK, we’ve assembled a team of seasoned professionals with deep expertise in credit score improvement, debt management, credit counselling, and CIBIL dispute resolution. Our advisors don’t just offer quick fixes—they provide long-term strategies tailored to your financial journey.
We specialize in assisting individuals who face financial challenges, offering services such as budget planning, loan assistance, debt consolidation, and educational workshops. By working closely with a certified credit counsellor, our clients gain access to expert financial advice—often at little or no cost—designed to support financial independence.
At RK, we’re not just resolving credit issues—we’re building confidence, restoring peace of mind, and creating opportunities for a better financial future.
Jeridnimo Geronimo
Whitero CEO, USA
We can’t wait to help you achieve your financial goals
I thought I had everything under control, but then when I couldn’t pay my rent and I had to borrow money from a friend, that’s when I knew things were not good. Having a lot of debt feels burdensome. You feel guilty, you feel ashamed. When I was told about credit counselling, I felt hopeful. I found them to be very sympathetic and they listened and they weren’t judging. They were just offering help. When I paid off my debt, I felt I could breathe again. Credit counselling means someone is there to guide you. You are not alone. Reach out ask for help.
I never thought that I would be someone that would go into debt. I felt ashamed, I was jealous that everybody else had it all together except for me. When I heard about credit counselling, it just seemed like the right idea. I guess the big takeaway is just how, taken care of I felt. And then very quickly I just felt very light as if that big problem that was sitting on my shoulders wasn’t just mine anymore. What a positive impact credit counselling had on my life
I had just come to the point where I had given up hope, that there’s no way I could ever repay my debt. A friend of mine suggested I reach out, and I thought I’d get some condescending person on the phone lecture me about money, but my counsellor was the most compassionate caring person who became sort of my own personal cheerleader.
Today had my assessment with credit counselling india and he is going to be able to help me have abrighter financial future. having someone like credit counselling india who took his time a aeplain everything and make sure i saw able to understand it was just amazing i would like to thank you and your team for helping me take the first step.
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