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Home / Business Finance & Loans / Credit Score Improvement Support
Last updated: 2 October 2026
Your personal and business credit reports shape loan approvals and pricing. Expertvuw’s team helps you read your reports from credit bureaus, identify errors or old entries, raise disputes through the proper channels and plan steps to improve your profile. We do not “buy” or promise scores.
Credit information companies (credit bureaus) licensed by the RBI — TransUnion CIBIL, Experian, Equifax and CRIF High Mark — collect repayment data from lenders and prepare credit reports and scores for individuals and businesses. Lenders use them when deciding loans and interest rates.
Under RBI’s credit information reporting rules, lenders report data fortnightly (from January 2025), individuals are entitled to one free full credit report with score each year from each bureau, and alerts are sent when your report is accessed or a default is reported. Disputes must be resolved within 30 days; after that, compensation of ₹100 per day is payable by the lender or bureau responsible for the delay.
Common problems include loans shown as open after closure, settled accounts, wrong DPD (days past due), accounts that do not belong to you, and guarantor liabilities. Correction requires the lender to update its data. Improving a score otherwise takes time: timely repayment, lower credit utilisation and resolving old dues.
Basis: Credit Information Companies (Regulation) Act, 2005; RBI Master Direction on credit information reporting (January 2025) and related consumer protection provisions. Last updated: 27 September 2026.
CIBIL, Experian, Equifax and CRIF High Mark.
Lenders report data every fortnight from January 2025.
One free full report with score per year from each bureau.
Disputes must be resolved within 30 days.
₹100 per day for delay beyond 30 days.
Only genuine errors can be corrected; scores improve with repayment behaviour.
Many issues come from lender data not being updated.
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Credit reports connect with these services.
Loan readiness.
MSME credit options.
Working capital limits.
Collateral-free credit.
Obtain reports from bureaus.
Identify errors and issues.
Collect proofs from lenders.
Raise disputes with bureau and lender.
Follow up within the 30-day timeline.
Share an improvement plan.
Keep your credit profile healthy.
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Share your query and our team will reply during business hours.
Only genuine errors can be corrected quickly; otherwise scores improve with timely repayment and lower utilisation.
RBI requires resolution within 30 days, with compensation of ₹100 per day after that.
Yes. You are entitled to one free full report with score per year from each bureau.
Yes. Bureaus issue commercial credit reports for companies and firms.
A settled status reflects actual history; it can be updated to closed if the full dues are paid and the lender reports it.
ACS – Director, Expertvuw Management Pvt Ltd
Loan and funding support is provided by Expertvuw’s team. Expertvuw is not a lender, loan agent or investment adviser — loans are sanctioned by banks and NBFCs, and grants by the relevant authorities, at their own discretion. Certificates and audits are issued by independent Chartered Accountants.