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Become Credit Healthy Now
Become Credit Healthy Now
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Services
Bad Credit Score - What is it?
If you've ever experienced rejection in your loan or a credit card application because of having a bad credit score,you must be having an idea of how unfavourable it can get for you
A credit score is defined as a number that is the accumulated result of how you have dealt with your credit while making the repayments. A credit score is entirely based on your borrowing activities
If you have never borrowed previously, you will not be having any credit score and your name will fall under the category "new" in terms of borrowings or credit.
To fall under the category "credit healthy", you must have taken a loan or credit card with paying consistent and timely EMI or credit card bills.
On contrary, if you miss on multiple EMIs or you are unable to pay off the dues, your credit score will be impacted negatively, forcing it to fall under the category of "bad credit score".
FAQ
Credit Score Advice?
A CIBIL score is considered as one of the four sanctioned or approved credit bureaus in India.
Just like Equifax, CRIF High Mark and Experian, CIBIL score also assists the lenders to identify the credit score of the debtor and his ability to repay, based on his past financial transactions of lending or borrowing money. Having identified the credit score of a debtor, the credit worthiness of that particular debtor can be judged or evaluated.
The credit score is expressed in numerical form and it is exceptionally important to have a decent credit score to get approved for more credit benefits. To help the bureaus calculate the credit score, lenders provide the necessary information of the debtor to them.
The credit score is merely a three-digit number and lies between 300-900. Having a credit score more than 750 means that you have got a decent credit score to apply for the credit borrowing and in such a situation, there will be multiple lenders to readily provide you with the desired credit.
Our Offerings
The range of services that we offer our customers is extensive. We provide complete assistance to our customers to avail a free credit health check and analyse their creditworthiness
We assist them to get their hands on free credit score by sending the details to the credit bureaus on their behalf
We guide them with the ways to improve their credit score. We conduct a robust quest to find credit products that are best suited for our customers.
We help our customers in resolving the issues that are responsible for impacting their creditworthiness along with making them cognizant to the reasons for the rejections of their loan or credit card application.
FAQ
Credit Score – A Short Guide
Well, a credit score is not as complicated as you think. In simple words, a credit score is a three-digit number that can lie anywhere between 300 to 900. based on an individual's credit behaviour. A credit score represents the creditworthiness of the borrower.
The 4 primary credit bureaus of India, namely, CIBIL, Equifax, Experian and CRIF High Mark are exclusively held responsible for the issuing of the credit score, according to the creditworthiness of an individual. To check the creditworthiness of an individual, his or her credit report is evaluated by the bureaus.
In order to calculate your credit score, the credit bureaus get the necessary information sourced from your credit report. Based on the sourced information, your creditworthiness is determined and you get assigned with a credit score.
FAQ
Become Loan Eligible
Your credit health is as important as your physical health. Having bad credit health could be extremely distressing at the times when you are in dire needs of funds
Because of bad credit health, you become ineligible to apply for the desired loan and in case you get approved for the desired loan, the rate of interest would be extremely higher whereas the tenure would be shorter
Because of bad credit health, you become ineligible to apply for the desired loan and in case you get approved for the desired loan, the rate of interest would be extremely higher whereas the tenure would be shorter
FAQ
How we can assist?
When you choose to avail our services, we do not charge you anything in return. From checking the status of your credit score to identifying the negative credit account (s) that could be affecting your credit score, we offer everything for free.
On identifying the negative credit account (s) in your credit report, we help you in getting rid of them by clearing the dues on those accounts completely and hence, your credit score gets improved gradually and you become eligible to apply for the desired loan or credit card.
We are available at your service 24/7. So, in case of any issue related to your credit health, you can reach out to us. We will be pleased to serve you!
FAQ
Testimonial
IF YOUR CREDIT REPORT ADDRESSES ANY DUES OR THE STATEMENTS OF "SETTLED" OR "WRITTEN-OFF" AGAINST YOUR PREVIOUSLY TAKEN CREDIT ACCOUNTS, YOU MUST CONSIDER PAYING THEM BACK AS QUICKLY AS POSSIBLE AND ACQUIRE THE STATEMENT OF "CLOSED" AGAINST CREDIT ACCOUNTS. BY DOING SO, YOU WILL BE ABLE TO IMPROVE YOUR CREDIT SCORE FASTER.
Hello
HelloI acquired a credit card from Barclays Bank in 2008. I used the card but was unable to clear the bills due to some financial problems. As a result, the outstanding amount kept on adding. I never thought I would be ever out of this situation. But, then I got in touch with you and your team and trust me, life has become so sorted and happening after that. Because of the efforts of the whole team, I was able to close my credit card at a lesser amount and acquire the closure letter without any hassle. Thank you, I would definitely recommend your services to my friends.
Arun Sathasivam
In January 2020, I acquired three consumer durable loans, two from IDFC bank and one from Kotak Mahindra bank, at the same time. I successfully paid the instalments due for the months of February and March, respectively. However, soon, the lockdown was initiated in the entire nation. I had no source of earnings, due to which I failed to pay the further instalments. So, I opted for the loan moratorium for six months. Unfortunately, even after six months, I had no source of earnings. Now, I was constantly being approached by the bankers, which led to frustration and anxiety. But then, I got in contact with you guys and I must say, that was the best decision of my life. Because of you, a decent amount was exempted from the principal amount that had to be paid. Now, I've been able to settle all three loan accounts. Thank you for your constant help and support!
Gowri G
It was in 2007 when I availed a credit card from Barclays Bank. But then, my business started experiencing losses, due to which I could not continue to pay for the credit card bills for a longer period. Last year, in 2020, I applied for a home loan. Unfortunately, my loan application got rejected for not being able to clear the credit card bill completely. But, to my luck, I got to know about Udhaar Sudhaar and I succeeded in making a credit comeback just because of your enormous efforts. As soon as my CIBIL got cleared, I got approved for the home loan and now I'm living happily with my family. I will always remain grateful to the entire team of Udhaar Sudhaar.