In India, the demand for loans, credit cards, and easy financing is growing fast — but so are the scams. One of the biggest scams today? Fake agents and so-called ‘credit fixers’ who promise to increase your CIBIL score magically without paying your bank dues.
If you’ve seen messages like “Clear CIBIL problems without payment” or “Credit score hack — no need to pay bank”, stop right there. This blog explains why these shortcuts don’t work, how they can land you in bigger trouble, and what you should really do instead.
? How Does a CIBIL Score Actually Work?
Your CIBIL score is calculated by licensed credit bureaus like CIBIL, Experian, Equifax, and CRIF High Mark. They get data directly from banks and NBFCs every month.
Your report shows:
- All your loan and credit card accounts.
- Payment history month by month.
- Overdue, settled, or written-off loans.
- Legal actions, if any.
So your score depends on what your bank reports — not on what an outside agent can “magically remove.” If you genuinely owe money to a bank, it must be paid first. Only then can the bank mark it ‘Closed’ or ‘Cleared’ — and then the credit bureau updates your report.
? Common Fake Promises You Should Ignore
Scammers often use lines like:
?“We will delete your loan from CIBIL without payment.”
?“Get 800+ score in 7 days without paying the bank.”
?“No need to talk to your bank — we handle everything secretly.”
These are red flags. No genuine agency can make your bank remove your loan or settlement status if you haven’t cleared the dues.
? What Happens If You Fall for Such Scams?
1??You Lose Money:
They’ll ask for an upfront fee — often ?5,000–?50,000 — and vanish.
2??You Waste Time:
While you wait for a “miracle update,” your score stays the same — or gets worse with more delays and penalty interest.
3??You May Get Blacklisted:
Using fake letters or forged documents can get you permanently blacklisted by banks — and even lead to legal action.
? How to Fix Your Score the Right Way
The only way to clear a low CIBIL score is the legal way:
??Pay off pending dues fully.
??Negotiate with your bank if you can’t pay the full amount at once — request a settlement with proper NOC.
??Get everything in writing — No Dues Certificate or Settlement Letter.
??Raise a dispute with the bureau if the status doesn’t update after you pay.
Sometimes banks delay updates or refuse to respond — that’s where genuine credit score agencies like Credit Experts help you:
- Negotiate with banks for clearances.
- Get proper bank letters and documents.
- Raise disputes legally and follow up until your report is clean.
? How to Identify a Trusted Credit Score Agency
??They never promise illegal shortcuts.
??They help you fix things directly with the bank.
??They give official bank receipts, letters, or emails — no fake updates.
??They provide proper invoices and have an office address.
At Credit Experts, we follow only proper, bank-approved procedures — no hacking, no illegal tricks, no false promises.
? Your CIBIL Score is Your Financial Reputation
Today, your credit score is checked not just for loans — but also for jobs, house rentals, and sometimes even for business deals. Protect it. There are no shortcuts — but the right steps work fast if done properly.
?Need help to clear your CIBIL report legally and build a strong score?
? Visit: www.creditexperts.in
? Call: +91 9743430811
? Email: support@creditexperts.in