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Credit Experts — Frequently Asked Questions
Downloading & Understanding Your Credit Report
How can I check my credit score report?
You can check it online on any major bureau site using your PAN card — the first download is usually free.
Which credit bureaus does Credit Experts help with?
We help you fix reports with all major bureaus — Experian, Equifax, TransUnion, and CRIF High Mark.
Can Credit Experts help me download my report?
Yes — we guide you step-by-step if you’re not sure how to get your latest report.
How often should I check my credit score?
Check every 3–6 months or before applying for any loan.
What if my report has errors?
Credit Experts helps file disputes, fix errors, and clear wrong negative marks legally.
Will checking my own score lower it?
No — checking your score yourself doesn’t affect it.
Can I get my score for free every time?
Most bureaus give one free report per year — extra checks may have small charges.
How Credit Experts Works
What does Credit Experts do exactly?
We check your report, find errors, clear negative flags, guide you to pay pending dues, and help update your report properly.
How do you fix my credit score?
We file disputes, prepare letters, guide you on sending emails, talk to banks if needed, and follow up till your score updates.
Do you remove all negative marks?
We clear only wrong, outdated, or duplicate negative marks. Genuine unpaid dues must be cleared.
Do I need to send mails or talk to banks myself?
Yes — your cooperation is needed. We give you ready drafts and instructions for smooth processing.
Will Credit Experts handle everything for me?
We do all planning, paperwork, and follow-ups — but you help by sending documents and responding on time.
Can you guarantee a loan approval?
No — we help you build a healthy score to qualify, but final approval depends on the bank.
How long does the whole process take?
Most cases close within 30 to 45 days if dues are cleared fast and you respond quickly.Most bureaus give one free report per year — extra checks may have small charges.
Pending Dues & Payment Related
Do I need to pay my pending bank dues?
Yes — genuine dues must be paid to clear your report. No real fix is possible without it.
What happens if I don’t clear dues?
Your report stays negative, which blocks future loans or cards.
Will Credit Experts pay my dues for me?
No — you must clear your own dues. We guide you on how to pay and get proper closure letters.
Can anyone clear my score without dues paid?
No — if someone says so, it’s a scam. Never trust shortcuts.
Does paying dues improve my score immediately?
Once the bank updates your cleared status, your score improves in the next cycle.
How do I prove I paid my dues?
Always collect closure letters or NOCs from banks and share them with us to update your report.
How long does the whole process take?
Most cases close within 30 to 45 days if dues are cleared fast and you respond quickly.Most bureaus give one free report per year — extra checks may have small charges.
Pricing, Guarantees & Support
How much do Credit Experts charge?
Our plans start from ₹9,999 depending on how much work your report needs.
Are there hidden charges?
No — all fees are shared upfront. No hidden costs.
Can I pay in instalments?
Yes, in some cases. Talk to our team for flexible payment options.
Is my payment safe?
Yes — we use secure gateways like Razorpay.
Do you offer any guarantee?
Yes — if there’s no genuine score improvement, we offer a full money-back guarantee.
Why do you charge fees to fix scores?
Because we do genuine work — checking reports, filing disputes, guiding you step-by-step, and following up till done.
Why choose Credit Experts instead of doing it myself?
You can, but our experience, ready drafts, contacts, and follow-ups save you time, errors, and failed disputes.
What Factors Impact My Credit Score?
Does missing EMIs affect my score?
Yes — missing EMIs or bounced loan payments are major reasons for score drop.
Can frequent loan or card enquiries lower my score?
Yes — too many enquiries in a short time show credit hunger and hurt your score.
Does credit card usage matter?
Yes — using too much of your credit limit and not paying on time can pull down your score.
Do old loans help my score?
Old closed loans in good standing help your score by showing good repayment history.
Do unpaid credit cards impact my score?
Yes — unpaid cards, even small balances, show as overdue and hurt your credit report.
Can bounced cheques affect my score?
A bounced EMI or cheque linked to a loan or card shows as payment failure and lowers your score.