creditcounsellingindia.org

Credit Score Services in Chennai

PASSION TO RESLOVE

Credit Score Services

Welcome to Credit Counselling India (CCI) — your trusted partner in reclaiming financial stability and achieving a healthy credit score. As a not-for-profit organization, we are dedicated to providing transparent, affordable, and effective solutions for individuals and businesses across India facing credit and financial challenges.

We exist to serve those who seek clarity in their credit reports and want to improve their financial outlook. Whether you’re facing issues like written-off accounts, settlements, suit-filed statuses, or willful defaults, our mission is simple: to help you restore your credit health and secure a financially stable future.

At CCI, our mantra is “Passion to Resolve” — because we believe every credit problem has a solution, and every person deserves a second chance.

About Us

Empowering India, One Credit Profile at a Time

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At Credit Counselling India, we are more than just credit advisors — we are advocates for your financial well-being. With a strong team of certified credit counsellors, financial analysts, and debt resolution experts, we provide personalized support to help you understand, manage, and improve your credit profile.

We analyze detailed reports from all major credit bureaus including CIBIL, Experian, CRIF Highmark, and Equifax to uncover hidden issues affecting your score. Whether you’re dealing with erroneous entries or need to remove negative flags, we design tailored strategies that lead to genuine credit restoration.

We’ve transformed from a simple credit score provider into a powerful AI-enabled platform, helping millions of Indians improve their credit health. By harnessing technology and empathy, we deliver results that go beyond just numbers—because your financial wellness is our priority.

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Our Belief:

Your credit score is as vital as your health. And like any health journey, it needs care, knowledge, and the right guide. At CCI, we are committed to walking that path with you—step by step.

SERVICES

What We Do

We provide comprehensive, end-to-end credit counselling and financial recovery services that are personalized, confidential, and designed with your best interests at heart. No matter the severity of your credit issues or the size of your debt, we ensure you’re never alone in your journey toward financial freedom.

Our Core Services Include:

Credit Score Improvement

CIBIL Dispute Resolution

Debt Consolidation & Management

Loan Assistance & Repayment Planning

Company CMR Rank Evaluation

Fraud Risk & Hunter Flag Resolution

Suit-Filed & Written-Off Account Rectification

Budget Planning & Financial Education Workshops

How Our Process Works

We Analyze Your Report:


Every credit report is unique. Our experts conduct a 360-degree review of your reports from all four bureaus, ensuring that every flag, discrepancy, or issue is identified and addressed.Every credit report is unique. Our experts conduct a 360-degree review of your reports from all four bureaus, ensuring that every flag, discrepancy, or issue is identified and addressed.

We Listen to You:

 We value your side of the story. Understanding your financial habits, challenges, and goals allows us to build a solution truly tailored to you.

We Plan for You:

We provide multiple solutions that cater to your situation, along with backup plans for unforeseen scenarios. Every step is transparent, informed, and aligned with your goal of achieving a better credit profile.

Credit Profile Problem Areas We Resolve

Written-Off Accounts

When your CIBIL credit report shows a "written-off" status, it means the lender has classified your loan as uncollectible due to prolonged non-payment. However, this does not cancel the debt. This status has a significant negative impact on your credit score and overall credit health. With the support of professional credit counselling, you can take actionable steps to resolve written-off accounts, rebuild your credit profile, and initiate your journey toward financial recovery.

Suit Filed Status

A "Suit Filed" remark on your CIBIL report indicates that the lender has taken legal action against you because of a loan default. This is a serious red flag that can drastically lower your credit score and hurt your future borrowing chances. This status can only be cleared through full repayment, not by settling the loan. With expert assistance through credit counselling and debt resolution services, you can navigate this challenge and work toward restoring your financial standing.

Credit Score Enhancement

To effectively improve your credit score, you must maintain consistent on-time payments, limit credit utilization, and keep long-standing accounts active. A healthy mix of secured and unsecured credit also contributes positively to your score. For a more strategic and tailored approach, services like credit counselling, CIBIL dispute resolution, debt management, and loan assistance offer valuable guidance to help you manage your finances and elevate your credit profile.

Willful Defaulter

A willful default occurs when an individual has the capacity to repay a loan but chooses not to. This results in serious consequences, such as legal action, reputational damage, and a negative mark on your CIBIL report, leading to a steep decline in your credit score. While there isn’t a public CIBIL defaulter list, such records severely impact your creditworthiness. Through professional counselling and debt resolution, you can take corrective measures to address these issues and rebuild your financial integrity.

Post Written-Off (WO) Settled Accounts

A settled account status occurs when a borrower negotiates to repay a part of the total outstanding loan—often after it has been written off. Although it provides short-term relief, settling a loan negatively impacts your CIBIL score and remains on your credit report. Before considering this option, it’s advisable to consult credit counselling experts, who can help explore better alternatives such as debt management plans or structured repayment options.

Hunter Flag (Fraud Risk Detection)

Hunter is a fraud detection system implemented by credit bureaus like Experian in India to identify inconsistencies, fake documents, or suspicious activities in loan applications. If your report is flagged, it can significantly reduce your credit score and affect your loan eligibility. In such cases, expert help through credit counselling, fraud risk resolution, and data correction services is essential to clear your profile and safeguard your financial credibility.

Blogs

Insights & Resources for Every Indian

Welcome to the CCI Blog, your go-to source for expert advice, financial education, and the latest updates on credit health in India. We aim to equip you with the tools, knowledge, and confidence needed to make better financial decisions every day.

Our Expert Team

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

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Main Office

PASSION TO RESLOVE