Questions We Get Asked
Most Often.

A credit score is a three-digit number typically between 300 and 900 that reflects your creditworthiness based on your financial behaviour. Lenders use it to assess how likely you are to repay borrowed funds. A higher score generally improves your chances of loan approval, helps you access better interest rates, and strengthens your overall financial credibility.

The key factors include your payment history (whether you pay EMIs and bills on time), credit utilisation ratio (how much of your available credit you are using), length of credit history (how long your accounts have been active), credit mix (the variety of credit types you hold), and the number of recent credit enquiries on your report. Each factor carries a different weight in calculating your score.

The timeline depends on the specific factors affecting your score and your individual financial situation. Some clients see meaningful movement within three to six months of taking structured action; others with more complex histories may take longer. We provide a realistic, honest assessment during your initial consultation rather than making promises based on generalised estimates.

A loan rejection is not the end it is useful information. The first step is to obtain your credit report and understand exactly why the rejection occurred. Common reasons include a low score, high credit utilisation, too many recent enquiries, or inaccurate entries. We help you identify the root cause and build a structured plan to address it before your next application.

No. When you check your own credit score, it is recorded as a "soft enquiry" and has no impact on your score. Only "hard enquiries" which occur when a lender formally pulls your report as part of a credit application can affect your score if made too frequently in a short period. Checking your report regularly is actually a healthy financial habit.

Your credit score is a single number. Your credit profile is the complete picture behind that number including all your loan accounts, repayment history, credit card usage, enquiry records, and personal details as held by the credit bureaus. Lenders assess both: the score tells them how creditworthy you appear, while the profile tells them the full story. A strong profile supports a strong score.

Lenders look at more than just your score. A borderline score with a thin credit history, high utilisation, irregular repayment patterns, or multiple recent enquiries can still lead to rejection even if the score number appears reasonable. A thorough review of your full credit profile not just the score is often needed to identify the true reason behind repeated rejections.

You can obtain your credit report directly from credit bureaus such as CIBIL, Experian, CRIF High Mark, or Equifax. Each bureau is required to provide one free report per year upon request. If you are unsure how to obtain or interpret your report, we can guide you through the process during your consultation.

In India, most negative information such as late payments, defaults, or settlements typically remains on your credit report for seven years from the date of the event. However, the impact of older negative entries reduces over time as more recent positive behaviour is added to your profile. Building consistent, healthy credit habits is the most effective long-term strategy.

Common errors include: loan accounts that have been fully repaid but are still shown as outstanding; payments recorded as missed when they were made on time; incorrect loan amounts or account balances; duplicate entries for the same account; wrong personal details such as name, PAN, or address; and accounts that do not belong to you appearing on your report.

Yes. Inaccurate or outdated entries on your credit report can be formally disputed with the relevant credit bureau. The bureau is required to investigate the dispute with the lender that reported the information and make corrections if the data is found to be incorrect. We guide you step by step through this process from identifying what to dispute to following up on the outcome. Please note that the final decision on any correction rests with the lender and the bureau.

Credit bureaus in India are generally required to resolve disputes within 30 days of the submission. However, the timeline can vary depending on the nature of the error, the lender's response time, and the bureau's internal process. We help you submit a clear and complete dispute to minimise back-and-forth and support you in following up where needed.

If a dispute is not resolved in your favour, it typically means the lender has confirmed the information as accurate. In such cases, we help you understand the next steps which may include approaching the lender directly, escalating through the banking ombudsman, or focusing on rebuilding your credit profile through other means. We are transparent about what is achievable and will always advise honestly on the most practical path forward.

A credit consultant reviews your credit report and profile, identifies what is affecting your score and loan eligibility, and provides structured, personalised guidance on how to improve your position. At Prise Credit Solutions, we also assist with dispute identification, action planning, and ongoing support all delivered honestly, without pressure, and without any affiliation to financial products or lenders.

Yes. We work with both individuals and business owners. Business owners often face situations where personal and business credit overlap particularly when applying for working capital loans, business credit cards, or overdraft facilities. We help you understand both dimensions and advise on how to position your credit profile most effectively when approaching lenders.

Yes. A default or settlement on your record is a significant challenge, but it does not make credit improvement impossible. We help you understand how these entries affect your profile, what lenders are likely to consider when they see them, and what practical steps you can take over time to rebuild your credit standing. We will always be transparent about realistic timelines and outcomes.

No. We do not offer guarantees, and we would caution you to be wary of any service that does. Final decisions on credit scores, bureau corrections, and loan approvals always rest with the credit bureaus and lenders. What we offer is honest, structured guidance a clear understanding of your situation and practical steps to improve it. Our role is advisory and supportive, not that of a lender or bureau.

The simplest way to start is to reach out via WhatsApp or phone. Tell us a little about your situation what you are trying to achieve and what challenges you have encountered and we will take it from there. There is no obligation and no pressure. You can also submit an enquiry via the contact form on our website and we will respond within one business day.

Absolutely. All information you share with us whether via WhatsApp, phone, email, or the contact form is treated with complete confidentiality. We do not share your personal or financial details with any third party without your explicit consent. Your privacy is taken seriously at every stage of our engagement.

You do not need to prepare anything specific before reaching out. Just a brief description of your situation is enough to get started. If you already have your latest credit report from CIBIL or another bureau, it can be helpful to have it available but it is not required at the initial stage. We will guide you on what is needed once we understand your situation.

We aim to respond to all enquiries within one business day. For a faster response, WhatsApp is the most direct way to reach us we typically respond more quickly during consultation hours (Monday to Friday, 10 AM – 7 PM; Saturday, 10 AM – 4 PM). Messages received outside these hours will be responded to on the next working day.

Aap saal me ek baar official CIBIL website (cibil.com) par jaakar free me apna score aur report check kar sakte hain. Iske alawa kai banks aur financial apps bhi free score check ki service dete hain. Bas aapko apna PAN card, mobile number aur details fill karni hoti hain. Agar aapko report download karne ya padhne me koi dikkat aa rahi hai, toh humse contact kar sakte hain.

Pehle yeh samajhna zaroori hai ki CIBIL ki koi official "defaulter list" nahi hoti hai. Agar aapne past me koi loan ya credit card payment miss kiya hai, toh aapka account record me default status show hota hai. Isko hatane ke liye aapko outstanding amount lender (bank) ko pay karna hoga. Jab aap saara payment clear kar denge, toh bank CIBIL ko report karega aur aapka status "Closed" ya "Paid" ho jayega.

Agar aapka CIBIL score kam hai, toh banks se direct loan milna thoda mushkil hota hai. Par aap in tarikon se loan le sakte hain:
1. Apne family member ko co-applicant banayein jinka CIBIL achha ho.
2. Secured loan apply karein (jaise gold loan, property loan ya FD ke against credit card).
3. NBFCs se contact karein, kyunki inke criteria banks se thode flexible hote hain.

Settlement ke baad CIBIL score kafi down ho jata hai aur report me "Settled" status negative mana jata hai. Score badhane ke liye:
1. Bank se bacha hua outstanding pay karke "No Dues Certificate" lein aur status ko "Closed" karwayein.
2. Kisi active loan ki EMIs aur credit card bills ka time par full payment karein.
3. Secured credit card lekar small transactions karein aur time par bill pay karein.