Turn Setbacks into Comebacks
With Credit Counselling India
Expert solutions for CIBIL disputes, written-off loans, and credit recovery.
Credit Score Services
Credit Counselling India (CCI) is a not-for-profit organization dedicated to assisting individuals and companies across India. Operating with the consumer’s best interests at heart, CCI promotes inclusive and comprehensive initiatives. We guide clients toward the most suitable and beneficial paths for credit repair and credit score improvement, including addressing negative flags such as written-off, settled, post-written-off settled, and suit-filed statuses.
We analyze clients’ credit reports, helping them understand and identify issues while providing affordable solutions. Our goal is to educate clients on maintaining a healthy credit score and ensuring consistent creditworthiness.
CCI offers invaluable credit score services, assisting in managing finances and debts. Our range of services includes credit counselling, credit score improvement, Company CMR Rank assessments, and educational workshops. Collaborating with an expert CIBIL advice counsellor provides access to excellent financial guidance at little to no cost. Individuals facing issues like low credit scores, fraudulent transactions, or negative flags can find proper solutions with us.
Accessible Solutions
CCI’s services are available and accessible to all Indians. Our mission is to provide better financial and credit futures for individuals with poor credit scores, helping consumers from all backgrounds achieve their financial goals. We simplify the process of taking control of your credit profile, regardless of your debt amount or credit report status. We are committed to guiding you through credit score services to resolve issues in your credit report.
We don’t turn anyone away. Whether you’re living paycheck to paycheck, experiencing a financial emergency, or need assistance with money management, a certified credit counsellor can help you create a plan to pay off your debt today. At CCI, we believe everyone deserves to get their credit health under control. No matter the type or size of your debt, our experienced credit counsellors can guide you through all your options, helping you develop a clear debt management strategy to get back on your feet.
We don’t turn anyone away. Whether you’re living paycheck to paycheck, experiencing a financial emergency, or need assistance with money management, a certified credit counsellor can help you create a plan to pay off your debt today. At CCI, we believe everyone deserves to get their credit health under control. No matter the type or size of your debt, our experienced credit counsellors can guide you through all your options, helping you develop a clear debt management strategy to get back on your feet.
How It Works
Credit Counselling India (CCI) offers expert guidance tailored to your unique credit report and financial situation. Are you overwhelmed by your credit card bills, loans, or other forms of debt? Are creditors or loan recovery agents constantly contacting you due to missed payments or negative flags on your CIBIL report? If so, you’re not alone—and there’s a solution.
Credit counselling is a smart choice for anyone looking to regain control of their finances. A trained credit expert will work with you to understand your challenges and develop a customized strategy to rebuild your credit score, address existing debt, and improve your CIBIL standing. After your session, you’ll walk away with a clear, actionable plan to move toward financial stability.
Advantages of Credit Counselling India
No matter your current situation, credit counselling offers real benefits to help improve your credit score and manage your debt.
Some key advantages include:
- Creating a structured plan to repair your credit score and rebuild your credit history
- Addressing issues in your CIBIL report and working toward a clean credit profile
- Building a solid debt consolidation strategy to reduce negative credit flags
- Gaining access to expert financial advice tailored to your specific challenges
- Improving your overall creditworthiness and financial decision-making
- Exploring debt payoff options and loan assistance programs
Whether you’re facing a low credit score struggling with debt, or trying to understand your CIBIL report, credit counselling through CCI can be the first step toward lasting financial health.
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.
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There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration in some form, by injected humour.
There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration in some form, by injected humour.
Every credit report must be analysed precisely by an expert to ensure that all loops are covered. We ensure that all the four credit reports are analysed and all solutions available for your credit worthiness are discussed with you.
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There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration in some form, by injected humour.
Services
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.
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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"Passion to Resolve" Empowering India, One Credit Profile at a Time
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 Build Lasting Relationships Between Candidates & Businesses
Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making it over 2000 years old. Richard McClintock, a Latin professor at Hampden-Sydney College in Virginia, looked up one of the more obscure Latin words, consectetur, from a Lorem Ipsum passage, and going through the cites of the word in classical literature, discovered the undoubtable source. Lorem Ipsum comes from sections 1.10.32 and 1.10.33 of “de Finibus Bonorum et Malorum” (The Extremes of Good and Evil) by Cicero, written in 45 BC.
Our Expert Team
We can’t wait to help you achieve your financial goals
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.
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/
