creditcounsellingindia.org

Credit Score Services in Vijayawada

Passion To Reslove

Credit Counselling India (CCI) – Your Trusted Partner for Credit Repair & Financial Recovery

Rebuilding Credit, Restoring Confidence

Welcome to Credit Counselling India (CCI) – India’s most trusted financial recovery and credit repair consultancy. Rooted in our motto, “Passion to Resolve,” we empower individuals, professionals, and business owners to regain control of their financial lives—no matter how complex their credit challenges may be.

Credit Counselling India (CCI) is a not-for-profit credit support organization dedicated to empowering individuals and businesses across India with actionable financial solutions. Operating with a client-first philosophy, we provide expert-led, inclusive credit counselling services that focus on credit score improvement, debt resolution, and CIBIL report correction.

Our mission is to help consumers recover from financial distress caused by negative credit flags such as written-off loans, settled accounts, post written-off settled status, willful default, and suit-filed tags. Whether you’re an individual with a low credit score or a business owner struggling with past defaults, CCI offers effective solutions tailored to your unique financial situation.

Comprehensive Credit Report Analysis & CIBIL Dispute Resolution

At CCI, we believe that understanding your CIBIL or Experian credit report is the first step toward restoring your financial health. Our team works closely with clients to:

  • Thoroughly review and analyze their credit profiles

     

  • Identify and challenge inaccuracies or outdated entries

     

  • Rectify duplicate loan entries and closed accounts wrongly marked as open

     

  • Dispute incorrect written-off or suit-filed notations

     

  • Provide transparent credit behaviour education

     

With a focus on affordable credit solutions, we help individuals and businesses correct their credit reports and regain creditworthiness in the eyes of lenders.

Expert Credit Counselling and Score Improvement Strategies

Struggling with a low credit score below 700? Whether you’ve experienced loan rejections, credit card denials, or reduced credit limits, we offer:

  • Customized credit score repair plans

     

  • Targeted strategies to address flags like post WO settled and written-off accounts

     

  • Monthly tracking and progress reports

     

  • Behavioural coaching on smart credit usage and timely repayments

     

  • Tools to avoid CIBIL disputes and maintain long-term credit health

     

With our strategic guidance, many clients see a 150–200 point increase in their credit scores within 6–12 months.

Inclusive and Accessible Credit Support Services

Credit Counselling India (CCI) is committed to making credit repair services accessible to all Indians, regardless of income, debt size, or credit history. Whether you’re living paycheck to paycheck, dealing with credit card debt, or facing harassment from recovery agents, we ensure:

  • No one is turned away—everyone deserves financial recovery

     

  • Simple, step-by-step assistance in understanding and fixing credit reports

     

  • Support during financial emergencies like job loss, medical bills, or divorce

     

  • Holistic debt management plans created by certified credit counsellors

     

Our non-judgmental and inclusive approach means that anyone can begin their journey toward financial recovery and better credit health.


Navigating your credit challenges begins with a free consultation session. During this session, our trained
credit counsellors will:

  • Evaluate your CIBIL or Experian credit report

     

  • Identify negative flags such as willful default, hunter alert, or suit filed

     

  • Develop a personalized credit improvement plan

     

  • Provide actionable steps for debt resolution, credit score boosting, and report rectification

     

  • Offer support for loan assistance, credit limit restoration, and financial restructuring
    By the end of your consultation, you will walk away with a clear and customized financial recovery roadmap—tailored specifically for your credit challenges and goals.

We Offer at Credit Counselling India (CCI)

We provide a wide array of credit advisory and financial correction services, including:

✅ Credit Report Review & CIBIL Dispute Handling

  • Detect and fix errors in your credit report
  • Resolve suit filed, written off, or settled flags
  • File and follow up on disputes with major credit bureaus

✅ Credit Score Repair & Improvement

  • Rebuild your score with expert strategies
  • Track your progress monthly
  • Educate on safe credit practices

✅ Loan Rejection Recovery

  • Analyze reasons for loan or card rejection
  • Improve eligibility and assist in lender re-application
  • Fix issues like hunter flag or post written-off accounts

✅ Debt Management & EMI Support

  • Manage credit card debts and multiple EMIs
  • Create reduced-payment plans and negotiate with lenders
  • Avoid further damage to your credit history

✅ Financial Counselling & Budgeting Assistance

  • Plan for a stable financial future
  • Create personalized budgets and reduce unnecessary expenses
  • Prepare for unforeseen events without slipping into debt

✅ Small Business Credit Repair

  • Review business credit and CMR rank
  • Rectify company-level defaults

Assist with GST-linked credit and MSME financial literacy

 

ABOUT US

Driven by Purpose. Powered by Passion.

At Credit Counselling India (CCI), we understand that behind every credit report is a personal story—of setbacks, struggles, and second chances. That’s why our team is committed to resolving your financial issues with integrity and empathy.

Founded by professionals from banking, finance, and credit reporting, our organization was created to serve the growing need for credit literacy, score rehabilitation, and dispute resolution among Indian consumers.

Whether you’re recovering from a Hunter alert, managing a WO (Written Off) settlement, or rebuilding after a suit filed status, we are here to support you every step of the way.

Our Vision

To be India’s most dependable partner in credit correction, score improvement, and debt resolution, offering ethical, transparent, and effective solutions nationwide.

Our Values

  • Integrity: We operate with full transparency—no false promises.
  • Empathy: Every credit challenge is treated with patience and respect.
  • Results: We focus on tangible credit improvements and resolutions.
  • Awareness: Through education, we prevent future financial distress.

The Team

Our team of CIBIL experts, credit analysts, and legal advisors work in tandem with:

  • Major banks and NBFCs for loan rescheduling and waiver negotiations
  • Credit bureaus to challenge inaccurate entries like written off, suit filed, or Hunter flags

Financial institutions to guide clients from defaults to score recovery

SERVICES

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Written Off

When an account is marked as “Written Off” in your CIBIL report, it means the lender has classified the outstanding loan as a loss due to prolonged non-payment. While it indicates that the lender no longer expects repayment, the debt is not forgiven—you still owe the amount. This status drastically lowers your credit score and can block future credit access. With the help of expert credit counselling services, you can evaluate the account, explore settlement or closure options, and gradually work on rebuilding your credit profile and regaining financial stability.

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Suit Filed

The presence of a “Suit Filed” remark on your credit report is a serious warning sign, indicating that legal action has been initiated by the lender to recover unpaid dues. This status severely damages your credit score and sends a signal of high risk to future lenders. Unlike minor defaults, this cannot be removed through settlements—only full repayment and legal closure can clear this remark. A structured plan with professional debt resolution and credit counselling can help you understand your options, address the legal implications, and restore your financial reputation.

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Score Improvement

Enhancing your credit score is essential for gaining access to loans, credit cards, and other financial products. Key strategies include maintaining timely repayments, keeping credit utilization low, avoiding excessive inquiries, and preserving older credit accounts. A diverse credit mix and consistent account activity also contribute positively. For a personalized roadmap, turn to credit improvement services that offer guidance on CIBIL dispute resolution, debt management, and loan rehabilitation—all of which can empower you to take control of your credit behavior and achieve lasting score improvement.

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Willful Default

A “Willful Default” status is placed on borrowers who have the capacity to repay but deliberately fail to do so. This is among the most damaging remarks in a credit report, often leading to serious legal consequences and long-term exclusion from mainstream lending. Although there is no public “CIBIL defaulter list,” such classifications are recorded and shared with lenders, drastically reducing your creditworthiness. If you believe you’ve been wrongly tagged or need help resolving the issue, professional credit counselling and legal resolution services can assist in clearing your record and regaining lender trust.

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Post Written-Off (WO) Settled

A Post Written-Off Settled status appears in your credit report when a lender agrees to accept a reduced payment amount after a write-off. While this offers temporary debt relief for financially distressed borrowers, it still indicates that the full amount wasn’t paid, which negatively impacts your CIBIL score. This status can persist for years and hinder future loan approvals. Engaging with credit professionals can help you weigh the pros and cons, explore alternatives such as restructuring or full repayment, and guide you toward minimizing the long-term impact on your credit history.

 

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Hunter

Hunter is a fraud detection system used by financial institutions to identify inconsistencies or fraudulent activities during the loan application process. Operated by Experian in India, it cross-checks submitted information across multiple applications to flag errors, duplication, or potential fraud. Even a minor mismatch can trigger a Hunter alert, which may cause instant loan rejections despite a good credit score. If your report is flagged, it’s essential to seek fraud resolution and credit advisory support to correct the errors, submit clarifications, and regain your financial credibility.

BLOG

The Credit Knowledge You Deserve

Our blog is a valuable resource filled with real advice, industry updates, RBI guidelines, and actionable financial insights. We regularly publish on topics like:

  • How to fix Written-Off and Suit Filed entries

     

  • Steps to clear a Hunter alert

     

  • Smart habits that improve your credit score

     

  • What to expect after debt settlement

     

  • How to plan credit usage post-bankruptcy

     

  • How to legally dispute CIBIL errors

     

  • Tips for entrepreneurs on managing business and personal credit

    • “Post-Written Off Accounts: Can You Still Get a Loan?”

    • “Loan Rejected? Here’s What You Can Do Now”

    • “CIBIL Score Improvement Hacks You Can Start Today”

    • “Understanding ‘Hunter’ Flags and How to Clear Them”

    • “Willful Default: What It Means & How to Rectify It”
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Our Expert Team

We can’t wait to help you achieve your financial goals

P .Saranya (Advocate)

We’ve Resolved Of People’s Debt

M.Lalitha(Adocate)

We’ve Resolved Of People’s Debt

M.Selva Raj(Sr.Advocate)

We’ve Resolved Of People’s Debt

Frequently Asked Questions

Credit repair varies per individual case but typically takes several months of consistent effort to improve your credit score significantly.
Yes, we act as your liaison to negotiate with banks, collection agencies, and credit bureaus on your behalf.
Absolutely. We guide you through repayment plans and dispute resolution to prevent loan default and protect your credit standing.
Credit Counselling Indian member company will set up an appointment for you to speak with one of their certified counsellors in person or by telephone to review your financial situation. 
We help people transform the way they use credit, and we do this through a number of different ways. We provide  credit repair and debt counselling services, credit building advice, and. We also provide personal debt management, debt consolidation and resolutions, as well as preventative counselling, and free tips and tools in the areas of budgeting, and financial goal-setting.
Credit counselling is a way to get support with managing your money, paying off your debt and improving your credit rating. A Credit Counsellor from a non-profit credit counselling  will provide you with free unbiased advice on the best solutions and strategies for your situation.
No, we are not a credit repair company and we strongly advise anyone seeking credit help to be wary of any company claiming to be a credit repair company, as there are no quick fixes to credit repair. Credit repair that provides free counselling via our certified Credit Counsellors, who can answer questions about debt management, debt consolidation, credit building, and budgeting.
You can access your credit report from India’s two credit bureaus: Equifax and TransUnion. With Equifax, you can access your credit report.
Many banks allow users to access their credit score via online banking, and in most cases, the credit score they provide comes directly from Equifax or TransUnion. You can also access your credit score, although the credit score offered by these sites may not be the exact same credit score lenders view. 
If you are comfortable with online banking, the easiest way for you to access your credit score is through your credit score service.
Credit building is the process of building a positive credit history on your credit report. If you are interested in booking a free credit building counselling  with one of our certified Credit Counsellors, please click with you.
There are several things that you can do to improve your credit score. Some tips for improving your credit score include:
  • Paying all bills on time whenever possible;
  • Getting (and staying) current on missed payments;
  • Don’t write cheques that will bounce;
  • Pay off debt instead of shifting it to new accounts;
  • Avoid applying for too much new credit too quickly; and
  • Apply for and use a secured credit card.

Contact Us

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We can’t wait to help you achieve your financial goals

Main Office

PASSION TO RESLOVE