The Problem
Most people have never actually read their credit report line by line — and roughly one in four reports contains an error serious enough to cost you a loan approval or a better interest rate. Our audit pulls your full bureau file and goes through it item by item, so you know precisely what is dragging your score down before you spend a rupee on anything.
This is for you if…
- ›You have no idea why your score is low
- ›You were rejected for a loan or card and weren't told why
- ›You want a second opinion before paying anyone for credit repair
- ›You suspect there are accounts on your report that aren't yours
What's Included
How It Works
Consent & identity check
You share PAN/SSN and authorise the pull. We coordinate the bureau OTP with you — it takes about two minutes.
Full report pull
We retrieve your file from every bureau relevant to your market — CIBIL, Equifax, Experian, TransUnion, AECB, CRIF High Mark.
Line-by-line review
An analyst flags errors, duplicates, obsolete items, wrong personal-info mappings, and unverifiable negatives.
Your audit report
You receive a PDF listing every issue found, ranked by how much score impact fixing it is likely to have — plus what it would cost.
Our Guarantee: No Win, No Fee
If we file a dispute and it doesn't resolve in your favor, you get a full refund for that trade's fee. We only get paid when you get results.
Questions About Credit Report Audit
Is the audit genuinely free?+
Yes. There is no card required and no obligation to buy anything afterwards. If we find nothing worth disputing, we will tell you that plainly.
Does pulling my report lower my score?+
No. This is a soft enquiry made on your own behalf. Only hard enquiries from lenders affect your score, and this is not one.
What if the audit finds nothing?+
Then you have saved yourself money and you know your score is accurate. We would point you to the credit building track instead, which is about adding positive history rather than removing negatives.
More answers on our FAQ page.
Other Services
Dispute Filing
We file, we follow up, you only pay if we win.
₹2,000–₹10,000 per tradeCreditor Negotiations
Settle smart — and get the negative removed.
Custom quoteCredit Building Coaching
From rejected to 750+ — your roadmap to rebuild.
Free PDF + paid coachingBusiness Credit Repair
Clean business credit = faster funding, better terms.
Custom quoteReady for credit report audit?
Start with a free audit — we'll tell you exactly what's fixable before you pay anything.