Credit report correction
Wrong entry in your CIBIL report? Get it fixed.
Loans get rejected every day over mistakes people never made — a written off tag, an old settled status, or someone else’s account. We find those errors and dispute them with the credit bureau for you.
- Free first report analysis
- RBI-compliant dispute process
- No hidden charges
- Support on WhatsApp
Based in Agra, Uttar Pradesh · Helping customers across all of India
Problems we fix
These are the entries that stop a loan or credit card application. If any of them are wrong in your report, they can be disputed.
Written Off
Your bank gave up on recovering the loan and marked it written off. That one word can block every new loan and credit card until it is corrected.
Learn moreSuit Filed
The report says a legal case was filed against you — sometimes long after the matter was already closed. We check the record and raise a dispute.
Learn moreSettled Status
You paid the full amount but the account still shows settled instead of closed. Lenders read settled as a loss, so the correct status matters.
Learn moreOverdue / DPD
Late payment days you never actually missed, or an EMI shown as overdue after you paid it. We get the payment history matched to your receipts.
Learn moreAccount Mismatch
Someone else's loan, a duplicate entry, or a wrong PAN, name or address sitting in your file. Mixed-up records are more common than people think.
Learn moreReport Analysis
Not sure what is pulling your score down? We read your full report line by line and tell you in plain words what is wrong and what can be fixed.
Learn more
How it works
Four steps, and you know where your case stands at each one.
Share your credit report
Send us your report on WhatsApp, or let us help you download it free from the bureau. Nothing to pay at this step.
We find the errors
We go through every account, date and status, then list exactly what looks wrong and what proof will be needed.
We file the disputes
We prepare the dispute with the bureau and the lender, attach your documents, and follow it up until there is a reply.
Bureau updates your report
If the dispute is accepted, the record is corrected and a fresh report is issued. We share the updated copy with you.
Why Cibil Wale
Transparent fixed pricing
You know the price before we start. No cut of your loan amount, no surprise bill at the end.
We only dispute genuine errors
If your report is accurate, we will tell you honestly and save you the money instead of taking the case.
Updates on WhatsApp
Every reply from the bureau reaches you on WhatsApp in simple language. No portal, no login to remember.
Real humans in Agra
Talk to Govind Saraswat and the team directly — a real office in Agra, Uttar Pradesh, not a call centre.
What we cannot do
Anyone who promises to wipe your report clean or lift your score by a fixed number of points is not being straight with you. Here is where our work ends.
- We cannot remove negative information that is correct. If you genuinely defaulted, that record stays on your report for as long as the rules allow.
- We cannot guarantee a specific score, or promise your score will reach a certain number by a certain date. The bureau calculates that, not us.
- We cannot force a lender or a bureau to accept a dispute. We present the evidence properly and follow it up — the decision is theirs.
What we can do is make sure your report shows the truth about you, and nothing more.
Common questions
Can you increase my CIBIL score?
We cannot promise any score number. What we do is find genuine mistakes in your credit report and get them corrected through the bureau's official dispute process. When a wrong entry is fixed, the score usually reflects that on its own — but how much it moves depends on your full credit history, and nobody can guarantee it in advance.
How long does a correction take?
Credit bureaus in India are required to look into a dispute within 30 days of receiving it. Most cases close in about 15 to 30 days once the documents are complete. Cases where the lender is slow to respond take longer, and we keep following up until we get an answer.
What documents do you need from me?
Usually your credit report, PAN and Aadhaar for identity, and whatever proof relates to the disputed account — a No Objection Certificate, a full payment receipt, a bank statement or a closure letter. We tell you exactly what is needed after reading your report, so you do not collect papers for nothing.
Is this legal?
Yes. Raising a dispute on a wrong entry is your right as a borrower under the rules that govern credit information companies in India. We use only the official dispute channels of the bureaus and lenders. We never contact anyone pretending to be you, and we never ask a bureau to delete information that is correct.
What does it cost?
The first analysis of your report is free — you pay nothing to find out what is wrong. If you decide to go ahead, we quote a fixed price for the correction work before starting and you approve it first. Message us on WhatsApp at +91 88594 10046 and we will share the current rates.
Still unsure? Read all questions or just message us — we answer in plain language.
Send us your report. We will tell you what is wrong.
The first analysis is free and there is no obligation after it. If we find nothing worth disputing, we will say so.
Govind Saraswat · Agra, Uttar Pradesh · Monday to Saturday