Question 1

Can you guarantee my credit score will improve?

Accepted Answer

No. Score updates and report corrections depend on bureau verification, lender reporting, documentation, repayment behavior, and individual credit history. We provide CIBIL score update support, bureau issue assistance, and guidance — not guaranteed score changes.

Question 2

What is included in the Basic Plan?

Accepted Answer

The Basic Credit Review Plan includes credit report review, CIBIL update support guidance, bureau issue assistance, score maintenance guidance, consultation support, and progress tracking support.

Question 3

How long does a bureau update or score maintenance take?

Accepted Answer

It depends on your credit history, documentation, and the issue involved. Bureau verification and lender reporting can take weeks or longer. Score maintenance is ongoing and depends on repayment behavior and credit habits.

Question 4

What documents do I need?

Accepted Answer

You may need basic personal details, credit score/report details, and information about your current credit concern.

Question 5

Do you help with credit report errors?

Accepted Answer

Yes. We help you review genuine report issues and guide you on documentation and bureau correction/update steps where appropriate. We do not guarantee bureau outcomes or instant updates.

Question 6

Is my information safe?

Accepted Answer

We handle your information carefully and use it only for consultation-related communication and credit guidance support.

Question 7

Will this guarantee loan approval?

Accepted Answer

No. Loan approval depends on lender policies, income, repayment history, credit profile, documentation, and other factors. Our role is to help you understand your credit profile and support bureau update and maintenance guidance.

Question 8

Can I book a consultation before buying a plan?

Accepted Answer

Yes. You can submit a consultation request and our team will guide you on the next step.

Question 9

What happens after report review?

Accepted Answer

You receive a clear explanation of your profile, bureau update/correction guidance where applicable, score maintenance steps, and guidance on what to do next — with optional follow-up support.

Question 10

Do you help with CIBIL score update support?

Accepted Answer

Yes. We help you review your CIBIL/credit bureau report, identify genuine issues, prepare correction details, and guide you through bureau update/correction and score maintenance support.

Question 11

Why did my credit score drop suddenly?

Accepted Answer

Common causes include missed payments, high utilization, new enquiries, account closures, or bureau data updates. We help identify likely causes in your report.

Question 12

How much does credit utilization affect my score?

Accepted Answer

Utilization is a major factor. High balances relative to limits can lower scores even when payments are on time. We help you set realistic utilization targets.

Question 13

Do multiple loan enquiries hurt my profile?

Accepted Answer

Multiple recent hard enquiries can signal higher risk to lenders. We explain enquiry impact and how to plan applications more strategically.

Question 14

What is your refund policy?

Accepted Answer

Refund eligibility depends on service stage and circumstances. See our Refund Policy page or contact us for a specific request.

Question 15

How do I pay for the Basic Plan?

Accepted Answer

Payment and booking flows will be connected in a future phase. For now, contact us to discuss consultation and plan enrollment.

Question 16

Is the consultation online or in person?

Accepted Answer

Consultation format depends on scheduling and availability. Share your preference on the contact form and our team will confirm options.

Question 17

Can you review reports for joint accounts or family members?

Accepted Answer

We focus on the individual profile you share for review. Contact us to discuss household or joint-account questions during consultation.

Question 18

Do you share my data with third parties?

Accepted Answer

We do not sell your data. Limited sharing may occur only where required for service delivery or legal compliance, as outlined in our Privacy Policy.

Question 19

What are your support hours?

Accepted Answer

Our team responds during standard business hours (placeholder). Urgent questions can be noted on your contact form submission.

Question 20

Is follow-up support included?

Accepted Answer

The Basic Credit Review Plan includes consultation and progress tracking support. Extended advisory options may be offered in future plans.

Question 21

How do settled accounts affect my report?

Accepted Answer

Settled or written-off accounts can remain visible for years. We explain their impact and realistic paths forward — not instant removal promises.

Question 22

What if I have a thin or new credit file?

Accepted Answer

Thin files need different strategies than damaged files. We help you build history responsibly with practical, age-appropriate steps.

Questions clients ask before they start.

Questions clients ask before they start.