Credit Services
CIBIL Score Improvement & Credit Repair
A low CIBIL score quietly raises the cost of every loan you take — or blocks approval altogether. Arthvritti reviews your credit report line by line, files disputes for genuine errors with the bureau, and gives you a practical plan to rebuild the score over the following months.
How credit repair actually works
- ✓Pull and analyse your full credit report across bureaus
- ✓Identify reporting errors — closed loans shown open, wrong overdue amounts, accounts that aren't yours
- ✓File formal disputes with the bureau and the reporting lender
- ✓Fix structural issues: utilisation, enquiry pile-ups, unbalanced credit mix
- ✓Set a repayment and utilisation discipline to hold the gain
What commonly drags a score down
- ✓Credit card utilisation consistently above 30% of the limit
- ✓Even one 30-day-plus delay reported in the last 12 months
- ✓Multiple loan applications in a short window
- ✓Settled or written-off accounts still showing on the report
- ✓A very thin file with almost no credit history
An honest note on timelines
No one can guarantee a specific score by a specific date, and anyone who does is selling you something. Bureau disputes are typically resolved in about 30 days; behavioural improvements — utilisation, on-time payments — usually show over three to six reporting cycles.
Frequently asked questions
›How can I improve my CIBIL score?
Correct genuine reporting errors, bring credit card utilisation under 30%, never miss an EMI, avoid clustering loan applications, and keep older accounts open to preserve credit age.
›Can a settled account be removed from my report?
A genuinely settled account stays on the report and reflects the settlement. Only inaccurate entries can be corrected. Where the entry is wrong, we file a dispute with supporting evidence.
›Can I get a loan with a low CIBIL score?
Sometimes, through secured products or with a co-applicant, but at a higher cost. In most cases repairing the profile first is cheaper over the life of the loan.
›How long does a CIBIL dispute take?
Bureaus generally resolve disputes within about 30 days of receiving supporting documents from the lender.
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