Question 1

Can you guarantee my credit score will improve?

Accepted Answer

No. Credit score improvement depends on the specific issues in your report, lender/bureau response, pending dues, documentation, and bureau policies. SCG works actively on eligible issue resolution — but we do not promise guaranteed score changes. We assist with genuine dispute handling and coordination, and score improvement depends on the outcome of that process.

Question 2

What is included in the plan?

Accepted Answer

The Credit Issue Resolution Plan includes: manual credit report review by your Relationship Manager, issue identification (DPD, wrong entries, overdue, closed-loan errors, mismatches, settlement status), action plan and dispute preparation, bank/bureau coordination with follow-up, escalation support for unresolved cases, and progress tracking throughout.

Question 3

How long does a bureau update or issue resolution take?

Accepted Answer

It depends on the specific issue, lender/bureau response time, and documentation. Bureau verification and lender updates can take weeks or longer. We follow up actively and escalate where needed. We keep you informed at every stage so you are never left waiting without an update.

Question 4

What documents do I need?

Accepted Answer

You may need basic personal details, a description of your credit concern, your credit report or score details, and any documentation related to the issue — such as payment receipts, loan closure letters, or bank statements. Your RM will guide you on exactly what is needed based on your specific case.

Question 5

Do you help with credit report errors?

Accepted Answer

Yes. Our Relationship Managers review your report, identify genuine errors — wrong entries, DPD marks, overdue accounts, closed-loan reporting issues, settlement/written-off status, and mismatch details — and work on correction through proper dispute and coordination processes with banks and bureaus. We do not promise guaranteed removal, but we work actively on every eligible issue.

Question 6

Is my information safe?

Accepted Answer

We handle your information carefully and use it only for credit issue resolution and related consultation communication. Your credit report details are reviewed confidentially and are not shared with third parties except where required for the resolution process or by law.

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 outside our control. Our role is to resolve genuine credit report issues and help improve your profile's accuracy — which may improve your chances, but we do not control lender decisions.

Question 8

Can I book a consultation before starting?

Accepted Answer

Yes. You can submit a consultation request and your Relationship Manager will connect with you to understand your concern, review your situation, and explain how we can help — before you commit to a plan.

Question 9

What happens after the report review?

Accepted Answer

Your RM has reviewed your report and identified all genuine issues. You receive a specific action plan for dispute, documentation, and follow-up. Bank/bureau coordination begins on eligible issues. Unresolved cases are escalated. You receive progress updates throughout until the issues are resolved or all applicable steps are completed.

Question 10

Do you help with CIBIL report issues?

Accepted Answer

Yes. Our Relationship Managers manually review your CIBIL/credit bureau report, identify genuine issues — DPD, wrong entries, overdue, closed-loan errors, settlement/written-off status, and mismatch details — raise disputes with banks and bureaus, follow up on correction requests, and escalate unresolved cases where applicable.

Question 11

Why did my credit score drop suddenly?

Accepted Answer

Common causes include DPD marks from missed or late payments, high credit utilization, new hard enquiries, newly reported overdue accounts, account closures, or bureau data updates. Your RM will review your report to identify the actual cause and determine what can be worked on.

Question 12

How much does credit utilization affect my score?

Accepted Answer

Utilization is a major scoring factor. High balances relative to credit limits can lower your score even when payments are on time. Your RM will identify utilization-related issues in your report and advise on practical next steps.

Question 13

Do multiple loan enquiries hurt my profile?

Accepted Answer

Multiple recent hard enquiries can signal higher risk to lenders and affect your score. Your RM will review the enquiry section of your report, explain the impact, and help you plan applications more strategically going forward.

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 directly for a specific request.

Question 15

How do I pay for the plan?

Accepted Answer

Payment and enrollment flows will be connected in a future phase. For now, contact us to discuss your case and plan enrollment — your RM will guide you through the next steps.

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 your Relationship Manager will confirm the best option for your case.

Question 17

Can you review reports for joint accounts or family members?

Accepted Answer

We focus on the individual profile shared for review. Contact us to discuss household or joint-account situations — your RM can advise based on the specifics.

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 — such as coordinating with banks or bureaus on your behalf — or for legal compliance, as outlined in our Privacy Policy.

Question 19

What are your support hours?

Accepted Answer

Our team responds during standard business hours — Monday to Saturday, 10:00 AM to 7:00 PM. Urgent concerns can be noted on your contact form and your RM will prioritize follow-up.

Question 20

Is follow-up support included?

Accepted Answer

Yes. Your Relationship Manager follows up on open cases, tracks report updates from banks and bureaus, escalates unresolved issues, and keeps you informed throughout. Follow-up is a core part of our resolution process — not an add-on.

Question 21

How do settled accounts affect my report?

Accepted Answer

Settled or written-off accounts can remain visible on your report for years and negatively affect your score. Your RM reviews the specifics, prepares dispute or representation material where applicable, and coordinates with banks/bureaus to address genuine reporting errors. We do not promise instant removal but work actively on every eligible case.

Question 22

What if I have a thin or new credit file?

Accepted Answer

Thin or new credit files require different strategies than damaged ones. Your RM will review your profile, identify what is available to work with, and advise on practical next steps appropriate for your situation.

Questions clients ask before resolution begins.

Questions clients ask before resolution begins.