Credit Score Services
Welcome to Credit Counselling India (CCI): Your Trusted Partner in Credit Repair and Financial Recovery
Don’t let past issues, negative items, or disputes hold you back. You have the right to a fair and accurate credit report and we’re here to help you claim it.
Start Your Journey to Financial Freedom Today
Regain Control of Your Credit
At Credit Counselling India (CCI), we believe everyone deserves a second chance. Whether you’re struggling with a low credit score, facing loan recovery challenges, or trying to clean up your credit report from inaccuracies and negative items, we are here to help. Our credit repair services are tailored to meet your individual credit needs and guide you through every step of the credit improvement journey.
Your Credit Score Is More Than Just a Number
A healthy credit score opens doors—it determines your eligibility for loans, lowers your interest rates, and strengthens your credit profile. But when negative flags, late payments, or inaccuracies sneak into your credit report, it can severely affect your financial standing.
Our team at CCI specializes in:
- Credit repair and score improvement
- Credit report analysis to identify and challenge errors
- Removing inaccurate, outdated, or fraudulent entries
- Resolving disputes with credit bureaus
- Supporting loan recovery and debt management
What Makes a Credit Report Inaccurate?
Errors can happen for various reasons:
- Data entry mistakes by lenders
- Late or paid entries reported incorrectly
- Fraudulent accounts due to identity theft
- Outdated or duplicated information
- Misapplied payments
These inaccuracies, left unaddressed, will damage your credit profile and limit your financial freedom. Our job is to identify and dispute them to protect your future.
What Is Affected by Your Credit Score?
Your credit score directly influences:
- Loan eligibility
- Interest rate
- Credit card approvals
- Rental applications
- Insurance premiums
- Employment opportunities
Every late payment, dispute, or negative flag can either help or hurt your standing. That’s why proactive credit repair is vital.
Our Process
Simple, Transparent, and Effective
We start with a confidential consultation to understand your unique situation.
We extract and examine your credit report from major bureaus.
We flag any negative items errors or disputes that could be challenged.
Our team sends detailed letters and digital forms to the relevant bureaus.
We continue communicating with the bureaus until the errors are resolved.
We track score improvements and provide tips for continued growth.
Even after your score improves, we’re here for future credit planning and loan advice.
About Us
Why Choose CCI?
We are more than a credit repair company—we are advocates for your financial freedom. As a not-for-profit organization, CCI operates with your best interests at heart. We deliver personalized solutions, expert advice, and ethical credit counselling for both individuals and businesses.
Our services are trusted by banks, NBFCs, financial institutions, and everyday consumers across India.
Credit Repair and Score Recovery:
Have you noticed sudden drops in your credit score or received a loan rejection due to credit risk? Don’t worry—you’re not alone.Many people struggle with
- Negative items like charge-offs, collections, or bankruptcies
- Late payments and defaults
- Fraudulent accounts and identity theft
Errors affecting repayment history:
We help you repair your credit restore your credit score, and challenge items affecting your creditworthiness.
Advantages OF CCI
Non-Profit Ethos:
We work with integrity, always putting your financial wellbeing first.
Trusted by Banks and Lenders:
Our reputation as a credible mediator makes us a preferred partner for debt resolution.
Track Record of Success:
Thousands of Indians have improved their credit score and qualified for new loans through our programs.
Dedicated Case Experts:
Each client gets a personalized credit consultant who follows their case from start to finish.
End-to-End Dispute Handling:
We manage the entire credit repair cycle—including reporting, dispute, follow-ups, and verification.
Services
Beyond individual support, CCI offers specialized credit risk management and legal collection services for businesses. Our debt collection strategies focus on recovering outstanding receivables while maintaining client relationships.
Credit Report Analysis
We review your full report to spot inaccuracies, outdated information, or errors.
Dispute Resolution:
We file disputes with credit bureaus and follow up until the inaccuracies are removed or corrected.
Tailored advice for better debt repayment behavior, reduced risk, and faster recovery.
We work directly with bureaus like CIBIL and Equifax to challenge and remove inaccurate or negative entries impacting your credit history.
Many people only realize the state of their credit when a loan is denied or a crisis hits. Our team helps you understand your credit profile, score, and how to improve it.
We cover:
What your credit score means
How negative flags affect it
Why timely payments matter
When to act on delinquencies
How long credit repair takes
We simplify your report so you can make informed financial decisions.
Struggling with overdue loans or creditor pressure? We can help.
We assist in:
- Negotiating settlements
- Consolidating debts to reduce EMI
- Avoiding legal action
- Creating repayment plans
Our goal is to balance your financial recovery with lender expectations.
Credit report errors can hurt your score. We help correct them.
We support you by:
Spotting inaccuracies
Gathering proof
Contacting credit bureaus
Following up until fixed
Fixing errors can quickly improve your score and loan chances.
We offer workshops and personal guidance to help you:
- Build healthy credit
- Understand your score
- Lower debt
- Avoid scams
- Know your rights
Informed clients make stronger financial choices.
We’re here if you:
Have a sudden credit score drop
- Were denied a loan due to bad credit
- Are facing debt collection threats
- Found errors on your report
- Want to remove negative items
- Need to recover from missed payments
- Were a victim of identity theft
- Don’t know where to start
Let’s rebuild your credit and financial confidence.
Beyond individual counselling, we also support:
Banks and NBFCs
- Debt collection firms
- Vehicle loan recovery teams
- Legal recovery agencies
- Corporates with overdue receivables
We offer insights, report analysis, and outreach to improve recovery and reduce risk.
Common reasons include:
Lender data entry mistakes
- Incorrect payment reporting
- Fraud or identity theft
- Duplicate or outdated info
- Misapplied payments
We help identify and fix these to protect your credit and future.
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.
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Our Expert Team
We can’t wait to help you achieve your financial goals
Got Credit Questions? Let’s Clear Your Doubts Together
What Does Credit Indian Do?
What Is Credit Counselling?
Is Credit Indian a Credit Repair Company?
How Do I Access My Credit Report and Credit Score?
What Is Credit Building?
How Can I Improve My Credit?
Here’s What Some Clients Think Of Our Work….
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.
Let’s Connect
join the conversation; we’re eager to engage.
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/
