CIBIL Score Improvement Agency

Customer Profile

Name: Vinod Shetty 
Location: Bangalore, Karnataka 
Initial Credit Score: 586 

Issues / Errors in Credit Report: 

HDFC Bank Credit Card: ₹1,20,000 marked written-off — actually settled.  
ICICI Personal Loan: ₹2,40,000 showing suit filed — settled.  
Axis Bank Auto Loan: ₹1,80,000 showing overdue — cleared in 2020.  

Actions Taken:  

HDFC Bank: 
– Collected old settlement letter & receipt.  
– Complaint filed at branch & by email.  
– Escalated to Nodal Officer, raised dispute.  
– Followed up every 3 days until updated. 

ICICI Bank: 
– Found original NOC. 
– Complaint to Loan Manager & Recovery Desk.  
– Escalated to Zonal Head, then RBI Ombudsman. 
– Verified update on credit report. 

Axis Bank:  
– Final closure letter from files. 
– Branch visit, service request logged. 
– Reminder email & follow-up to regional desk. 
– Verified overdue cleared.  

Final:  

Final Credit Score: 758 
Days Taken: 42 days 
Outcome: Approved for home loan from SBI with lowest slab rate.  

Success Story by Credit Experts
Mr. Vinod Shetty’s credit report was corrected through expert guidance, documentation retrieval, and continuous follow-ups with respective banks and credit bureaus.  

📌Please note: Every case is unique. Recommendations were given based on bank records, and all actions followed RBI-compliant procedures.  

Customer Profile

Name: Aarti Nair
Location: Chennai, Tamil Nadu
Initial Credit Score: 605

Issues / Errors in Credit Report:

Axis Bank Credit Card: ₹75,000 settled — still overdue.
SBI Personal Loan: ₹95,000 repaid — marked active.
HDFC Gold Loan: ₹55,000 closed — not updated.

Actions Taken:  

Axis Bank:  
– Found settlement letter & statement.  
– Complaint online & dropbox.
– Escalated to Nodal Officer.
– Raised credit report dispute.

SBI Loan:
– Final repayment slip collected.
– Branch request for new NOC.
– Loan desk backend update.
– Verified status.

HDFC Gold Loan:
– Pledge closure letter.
– Branch Service Desk correction
– Call with loan manager.
– Status corrected.

Final:

Final Credit Score: 754
Days Taken: 38 days
Outcome: Top-up personal loan from HDFC with lower ROI.

Success Story by Credit Experts
Ms. Aarti Nair, credit report was corrected through expert guidance, documentation retrieval, and continuous follow-ups with respective banks and credit bureaus.

📌Please note: Every case is unique. Recommendations were given based on bank records, and all actions followed RBI-compliant procedures.

Customer Profile:

Name: Meera Iyer
Location: Coimbatore, Tamil Nadu
Initial Credit Score: 609

Issues / Errors in Credit Report:  

SBI Personal Loan: ₹85,000 overdue — paid.  
Kotak Gold Loan: ₹40,000 active — gold released.  
PAN Mismatch: old PAN spelling created duplicate entry.

Actions Taken:

SBI Loan:
– Closure letter from passbook.
– Written complaint at branch loan desk.
– Loan officer backend update.
– Verified overdue cleared.

Kotak Gold Loan:
– Gold release slip.
– Branch correction request.
– Email to loan team with KYC.
– Status closed.

PAN Mismatch:
– Latest PAN & Aadhaar copy.
– KYC correction form to bureau.
– Duplicate merged.
– PAN mapped correctly.

Final:

Final Credit Score: 754
Days Taken: 39 days
Outcome: Housing loan approved from Kotak with quick disbursal.

Success Story by Credit Experts
Ms. Meera Iyer, credit report was corrected through expert guidance, documentation retrieval, and continuous follow-ups with respective banks and credit bureaus.

📌Please note: Every case is unique. Recommendations were given based on bank records, and all actions followed RBI-compliant procedures.

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Customer Profile:

Name: Ramesh Gowda
Location: Mysore, Karnataka
Initial Credit Score: 589

Issues / Errors in Credit Report:

Kotak Mahindra Auto Loan: ₹3,50,000 closed — EMI bounce remark showing.
ICICI Home Loan: ₹5,00,000 showing overdue — paid off in 2020.

Actions Taken:

➡️ Kotak Mahindra:
– EMI clearance from passbook & statement.
– Branch visit, complaint filed.
– Nodal Officer email with proof.
– Dispute raised, remark removed.

➡️ ICICI Bank:
– Old closure letter found.
– Home Loan Desk complaint, docs submitted.
– Escalated to Regional Manager.
– Dispute with bureau, status cleared.

Final:

Final Credit Score: 752
Days Taken: 40 days
Outcome: Approved for new car loan from Kotak at reduced EMI.

Customer Profile:

Name: Pooja Shah
Location: Pune, Maharashtra
Initial Credit Score: 601

Issues / Errors in Credit Report:

HDFC Personal Loan: ₹1,00,000 duplicate entry — one shows overdue.
Bajaj Finserv Loan: ₹65,000 written-off — paid.
SBI Credit Card: ₹30,000 closed — minimum due showing.

Actions Taken:

➡️ HDFC Bank:
– Closure letter & receipt.
– Branch Service Desk update request.
– Nodal Office email.
– Monitored till fixed.

➡️ Bajaj Finserv:
– Final statement & mail.
– Ticket via portal + branch visit.
– Escalated to HO.
– Written-off corrected.

➡️ SBI Card:
– Zero due statement.
– Service request on app.
– Card Support call follow-up.
– Dispute, minimum due cleared.

Final:

Final Credit Score: 755
Days Taken: 37 days
Outcome: Got education loan from SBI with student rate.