REPAIR BUREAUCREDIT SCORELawful CICRA Rectification
Did a bank reject your loan due to outdated DPD marks, duplicate tradelines, or wrong "Settled" status? We audit your Experian & CIBIL records, dispute errors lawfully under CICRA 2005, and rebuild your score.
94% Dispute Resolution Success
Live Bureau Audit Simulator
No artificial guarantees
Lawful Dispute Management
No false guarantees. Clear, data-driven dispute management backed by official banking procedures and the CICRA 2005 Act.
Credit Health Audit
Full review of your CIBIL and Experian tradelines to identify exact factors triggering bank rejection.
- ✓ Tradeline & DPD history audit
- ✓ Duplicate account identification
- ✓ Credit utilization ratio check
Bureau Dispute Filing
Dedicated Case Manager files formal online disputes with CIBIL and banks to rectify incorrect late marks and wrong balances.
- ✓ Up to 4 Bureau dispute petitions
- ✓ Bank nodal officer escalation
- ✓ Bi-weekly dispute status tracking
- ✓ 90-Day score rebuilding roadmap
NOC & OTS Facilitation
For old written-off credit cards or settlement accounts. We coordinate with lender recovery desks to obtain an official No Due Certificate.
- ✓ Lender settlement desk coordination
- ✓ "Settled" to "Closed" status update
- ✓ Official NDC / NOC verification
- ✓ Bureau status refresh monitoring
Need Funds Right Away While Your Score Repairs?
If your CIBIL is currently below 680, prime banks may reject uncollateralized loans. But you still have 3 legitimate institutional paths through KBD:
Subprime NBFC Loans
Lenders like Piramal, InCred, and Moneyview approve personal and business loans from 620+ CIBIL with higher risk tolerance.
View NBFC Options →Doorstep Gold Loans
Instant liquidity against gold jewelry with Rupeek & Muthoot at 8.9%–10.5% interest. 100% independent of your bureau score.
Enquire Doorstep Gold Loan →FD-Backed Credit Cards
Get an IDFC WOW or OneCard against a ₹10,000 Fixed Deposit. Reports clean monthly repayments to CIBIL, boosting your score in 90 days.
Check Rebuilding Cards →⚖️ Regulatory Disclosure (CICRA Act, 2005):
KBD Credit Solutions is an independent loan facilitator and credit advisory service. We do not manufacture or guarantee credit scores. Bureau score changes occur solely through lawful dispute resolution of inaccurate data under Section 21 of the Credit Information Companies (Regulation) Act, 2005, and through genuine debt settlements with authorized lending institutions.