Rebuild Your Score with CCI
Turn Credit Challenges into Comebacks
Expert solutions for CIBIL disputes, written-off loans, and credit recovery.
Credit Score Services by Credit Counselling India (CCI)
Credit Counselling India (CCI) is a trusted not-for-profit organization dedicated to supporting individuals and businesses across India in managing their credit and improving their financial health. With the consumer’s best interests at heart, CCI promotes inclusive and comprehensive initiatives designed to address key challenges related to credit repair and credit score improvement.
We specialize in identifying and resolving negative flags such as written-off, settled, post-written-off settled, and suit-filed statuses that adversely impact your credit report and credit profile. Our expert team conducts detailed report analysis to uncover issues, inaccuracies, and errors affecting your credit score, enabling you to challenge these discrepancies and take control of your credit.
Comprehensive Credit Score Services
At CCI, our core mission is to provide accessible, affordable, and effective credit score services that empower you to improve your creditworthiness and manage your finances with confidence. Our offerings include:
- Expert credit counselling tailored to your unique credit profile and financial circumstances.
- Guidance on credit repair techniques that promote long-term score improvement.
- Assistance with managing loan recovery processes and structuring effective debt repayment plans.
- Help with disputing negative items and correcting inaccurate data on your credit report from major credit bureaus.
- Educational workshops and resources designed to improve your understanding of credit history and credit risk management.
Our certified counsellors also offer expert CIBIL advice at little to no cost, helping individuals overcome challenges such as fraud, late payments, due debts, and other issues that may be affecting their credit score.
Accessible Solutions for All
CCI’s services are designed to be accessible to all Indians, regardless of the size of their debt or the current state of their credit. We believe that everyone deserves a second chance to regain control over their credit profile and build a healthy financial future.
Whether you are living paycheck to paycheck, facing a financial emergency, or seeking guidance on managing your money more effectively, our experienced credit counsellors will work with you to develop a personalized strategy to repair credit and improve your overall credit score.
No matter your financial background or the amount owed, we provide a supportive environment to help you overcome negative flags and develop a clear debt management plan that fits your situation.
How Credit Counselling India Works
If you are overwhelmed by unpaid loans, mounting debt, or persistent calls from creditors and loan recovery agents due to missed payments or negative items on your credit report, CCI is here to help.
Our credit counselling services offer a smart, effective way to regain control of your finances. During a one-on-one session with a trained credit expert, you will:
- Receive an in-depth report analysis of your credit history and credit risk.
- Identify inaccuracies, errors, and disputes affecting your credit score.
- Develop a customized plan for score repair that addresses existing issues and promotes credit improvement.
- Explore practical options for managing repayment schedules, consolidating debt, and preventing further financial difficulties.
By the end of your counselling session, you will have a clear, actionable plan to rebuild your credit and achieve lasting financial stability.
Advantages of Credit Counselling India (CCI)
Choosing credit counselling through CCI offers numerous benefits that go beyond simple credit repair:
- Creation of a structured strategy for repairing your credit score and restoring your credit history.
- Assistance in addressing negative flags and clearing up disputes or inaccuracies on your credit report.
- Development of effective debt repayment and consolidation plans that minimize credit risk.
- Access to expert financial advice tailored specifically to your credit profile and challenges.
- Support navigating the complexities of loan recovery and credit bureau procedures.
- Improved financial decision-making skills for maintaining a healthy credit profile in the long term.
Whether you are struggling with a low credit score, managing outstanding debt, or seeking clarity on your credit report, CCI’s credit counselling services can be your first step toward a brighter financial future.
About Us
At CCI, we prioritize your credit health and offer expert CIBIL services repair to guide you toward financial stability. Our specialists meticulously analyze every detail of your credit reports from agencies like CIBIL, CRIF Highmark, Experian, and Equifax. We identify issues impacting your credit score and provide tailored solutions to address them.
We understand the challenges of managing personal debt and aim to alleviate the burden by offering comprehensive credit score services. Our approach goes beyond traditional methods; we empower you to unlock unlimited possibilities for resolving credit issues. Whether it’s removing negative flags such as written-off, settled, or suit-filed statuses, we are committed to restoring your creditworthiness.
Our platform has evolved from providing free credit scores to an AI-powered hub, assisting millions of members across India. By leveraging our capabilities, we help you improve your credit health and profile, remove negative flags, and gain deeper insights into your finances. This enables you to maximize resources and seize opportunities that may have otherwise gone unnoticed.
Your credit health is as important as your physical well-being, and at CCI, we treat it with the same level of care and attention. We are here to guide you through every step, turning your financial and credit aspirations into reality.
Our Detailed Process: We Analyze Your Credit Reports Thoroughly
Every loan applicant’s credit report deserves precise scrutiny. At CCI, we ensure that all four major credit reports are analyzed carefully by our experts to uncover any hidden issues, errors, or disputes that may be affecting your credit score. Our comprehensive analysis covers:
- Identification of inaccuracies and negative flags in your credit profile
- Review of loan history, including personal loans, vehicle loans, and other forms of credit
- Examination of your debt and repayment records
- Assessment of risks associated with your credit score and creditworthiness
By discussing all available credit repair and recovery options, we create a tailored plan that addresses your unique financial situation. Whether your debt involves bank collections, B2B financing, or personal credit issues, our counselling services help you regain control.
Why Choose Credit Counselling India?
- We help you develop a structured strategy for credit repair and improving your credit score
- Our experts assist with managing loan recovery, debt repayment, and handling calls from collection agencies or banks
- We provide guidance on navigating legal aspects, including SARFAESI enforcement actions and other recovery mechanisms
- We offer personalized financial management advice for both individuals and businesses across various sectors
- Our team is experienced in working with major banks such as Tata, Kotak, Canara, BOB, Axis, and others, ensuring credible support throughout your credit journey
We serve clients nationwide, with offices and branches in major cities including Delhi, Andheri, Nagar, and more
Additional Services
- Bookkeeping and accounting assistance for better financial management
- Corporate consulting services tailored for B2B clients and businesses
- Access to exclusive educational resources via our blog on credit improvement and debt management strategies
Our Services
What We Do
At CCI, we provide a comprehensive suite of credit repair, debt recovery, and financial management services tailored to your individual needs. Whether you’re struggling with personal or vehicle loans, or facing issues with bank collections, our team offers expert guidance at every stage.
Our platform is rich with valuable resources—including educational articles, advanced tools, and free support materials—that cover essential topics such as debt collection, loan recovery, student loan consolidation, retirement planning, and real estate financial decisions. No matter how complex your financial situation may be, we help you explore practical solutions and make informed decisions.
After completing our personalized assessment form, you’ll gain access to targeted services such as debt consolidation, personal loan recovery, and bankruptcy counseling—all customized to your circumstances.
Our Process:
We Analyze Your Report
Every credit report demands expert review to ensure all factors are thoroughly examined. Our specialists analyze all four major credit bureaus, identifying issues that affect your credit score and overall creditworthiness. This detailed scrutiny uncovers opportunities for credit repair and improvement that may otherwise be overlooked.
We Listen to You
Understanding your perspective is vital. We carefully consider your unique credit profile, debt, and risk factors. This personalized approach helps us craft strategies aligned with your specific financial realities—whether that involves managing personal loans, addressing collections, or navigating complex legal matters.
We Plan for You
Based on the analysis and your inputs, we develop a clear action plan with multiple solution paths. You select the plan that fits best, while we also prepare alternatives to handle unforeseen challenges. Transparent communication remains our priority as we guide you toward improved credit health and financial recovery.
A written off status on your credit report means the lender has marked your debt as unrecoverable due to missed repayments. Although this doesn’t waive the loan, it significantly harms your credit score. Our credit counselling services help you tackle these accounts, rebuild your profile, and move towards loan recovery.
A Suit Filed remark indicates legal action initiated by the lender because of default. This has a major negative impact on your creditworthiness and credit score. Full repayment—not settlement—is required to remove this status. Our expert debt collection and credit repair teams can guide you through this process.
Boosting your credit score requires discipline—timely payments, low credit utilization, and maintaining long-standing accounts. We provide personalized strategies including CIBIL dispute resolution, debt management, and loan assistance to enhance your credit profile and financial stability.
Willful default occurs when a borrower intentionally avoids repaying a loan despite having the means to do so. This leads to severe financial and legal repercussions, including a damaged credit score. Although no official defaulter list exists, such records greatly harm your creditworthiness. We offer counseling and resolution to manage these issues.
Settling a written off loan by paying a reduced lump sum can relieve immediate debt pressure but negatively impacts your credit score. Before opting for settlement, consult our experts for alternative options such as debt consolidation or loan restructuring.
Hunter is a fraud detection system used by credit bureaus like Experian to identify fabricated documents in loan applications. A flagged report can severely damage your creditworthiness. Our services include fraud resolution and preventive counseling to protect your financial integrity.
Blog
At Credit Counselling India (CCI), we believe that everyone deserves a second chance at financial stability—regardless of past setbacks, written-off accounts, or CIBIL disputes. Our blog is your one-stop resource for expert insights, practical advice, and industry updates that help you take charge of your credit journey.
Whether you’re struggling with a low credit score, dealing with loan defaults, facing negative flags like settled, post-written-off settled, or suit-filed statuses, or simply seeking to better understand your credit report—this blog is built for you.
"Passion to Resolve" Empowering India, One Credit Profile at a Time
At Credit Counselling India, we combine industry expertise with personalized care to help you overcome financial challenges and restore your credit health efficiently.
Passion to Resolve: Empowering India, One Credit Profile at a Time
As the CEO of RK – Passion to Resolve, I am honored to lead one of India’s most trusted credit advisory services. With a strong presence across the nation, our unwavering mission is to empower individuals to regain financial stability and strengthen their credit profiles through integrity, expert guidance, and customized solutions.
At RK, we have brought together a dedicated team of seasoned professionals specializing in credit score improvement, debt management, credit counselling, and CIBIL dispute resolution. Our advisors go beyond quick fixes, offering sustainable strategies that align with your unique financial journey.
We focus on supporting individuals facing financial hurdles by providing comprehensive services such as budget planning, loan assistance, debt consolidation, and educational workshops. By partnering with a certified credit counsellor, our clients receive expert financial advice—often at minimal or no cost—to foster financial independence and lasting credit repair.
At RK – Passion to Resolve, we don’t just fix credit issues; we restore confidence, bring peace of mind, and open doors to brighter financial opportunities for every client.
Jeridnimo Geronimo
Whitero CEO, USA
Why Choose CCI?
- Expert support with credit repair for personal loans and bank personal loan cases
- Proven success in vehicle loan recovery and loan recovery strategies
- Professional assistance in credit risk management and legal collection services
- Specialized B2B debt collection solutions for businesses and institutions
- Deep experience working with major banks including Kotak, Axis, Canara, BOB, and Tata
Nationwide presence with offices and branches across India, including Hyderabad, Delhi and Chennai
Our Expert Team
We can’t wait to help you achieve your financial goals
Let’s Clear Your Credit Doubts.......
CCI’s FAQs help you understand credit counselling, reports, and score repair.
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Main Office
- Dhanish lake view Apartment 2/12//114, Colony, Kukatpally Hyderabad, Telangana 500072
- +91 888 638 8988 /+91 988 559 9881
- https://creditcounsellingindia.org/
