CIBIL Problem

CIBIL Problem  is a respected credit advisory service in India with an extensive network across India. It was founded with the single-minded goal of helping clients achieve positive credit worthiness and financial freedom. To cater to this vision, we got on board a panel of professionals with years of experience and specialized knowledge. CIBIL Problem differentiates itself from similar offerings in the industry by providing packages that are result oriented yet cost effective.

Our services range from creating credit awareness, helping clients build and restore credit health to providing specialized loan advisory services. Founded in 2014 and headquartered in Faridabad, Haryana with a regional office in Jaipur, Credit Health India’s vision is to initiate their clients across the country on the path of consistent financial awareness and freedom.

Credit Ratings

An overall credit rating is composed of more than just the factors that determine your credit score. This means that if your credit score isn’t as high as you need it to be, you can demonstrate credit worthiness to a lender in other ways too. That can help with a credit application. So in addition to the above, here are 9 factors that affect your credit rating:

Save Regularly

Have savings that you add to on a regular basis and that is proportionate to your income. Have rainy–day savings as well as long–term, retirement savings. When you have savings, it shows that you have a balanced approach to managing your money and can get by in a pinch.

Show Stability

Consistency and stability generally leads to better payment history. Maintain a stable address and employment circumstances. Even if you need to change employers, if the type of work you do stays the same, let lenders know that when you apply for credit.

Manage Routine Banking Properly

Use your bank account properly. Overdrafts and NSFs can signal financial difficulty. If you find yourself overdrawing your account, ask if you qualify for overdraft protection, or better yet, establish a realistic budget to keep your spending within your means.

Bring Balances Down

Pay more than the minimum payment due each month on a credit card and work on bringing the balance owing down. Limit your use of the card until it is paid in full.

Limit How Often You Apply for Credit

Only apply for credit that you need. One, maybe two credit cards, with very reasonable limits based on your level of income, are all you should need. Pay them off in full every month.

Don’t Go Over Limit

Keep all credit card balances well below the limits on all of the cards at all times. Going over limit will instantly affect your credit score. If you normally carry a balance close to 75% of your available limit, that too will drop your credit score.

Keep Debt Payments Manageable

Reduce your monthly debt payments (excluding mortgage payments) to no more than 15% to 20% of your take–home pay. This will allow you to manage unforeseen financial challenges effectively.

Keep Available Credit Limits Low

Keep credit limits reasonable – if used or charged to the limit, you should be able to pay the full balance off within a year and leave it paid off. Leaving it paid off is often the catch. Lenders don’t want to see that someone is relying on credit to make ends meet.

Credit Reports Change Often

Good AND bad, everything stays on your credit file for 6 – 7 years, so time could be on your side if you’re trying to recover from past difficulties. If you’re curious to see what is on your own credit report you can obtain a copy for free. It will not affect your rating negatively in any way. Keep in mind that your score is not automatically provided with your credit report. It is separate and you will need to pay for hit. That said, if your credit bureau report is fine, your score will be too.
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Credit Counselling

Credit Counselling Works

Our goal is to help you achieve financial well-being for life, and that includes helping you rebuild your credit, keep a balanced budget, and plan for the future.

Talk to Credit Counsellor

Frequently Asked Questions

CIBIL, or Credit Information Bureau (India) Limited, is a credit information company that collects and maintains credit-related information of individuals and businesses. It plays a crucial role in assessing creditworthiness and determining eligibility for loans and other financial products.

CIBIL Problem specializes in providing expert guidance and solutions to individuals facing CIBIL-related challenges. Whether you have a low credit score, discrepancies in your credit report, or need assistance in improving your creditworthiness, our experienced team is here to help you navigate through the complexities and achieve positive outcomes.

Several factors can influence your CIBIL score, including payment history, credit utilization ratio, length of credit history, types of credit accounts, and recent credit inquiries. Rhema Kredi Solutions offers personalized strategies to address these factors and enhance your credit profile.
Yes, errors or inaccuracies in CIBIL reports can be corrected through a dispute resolution process. Rhema Kredi Solutions can assist you in identifying and rectifying any discrepancies in your credit report to ensure its accuracy and reliability.
The time it takes to improve a CIBIL score depends on various factors, including the severity of the issues, your financial habits, and the strategies implemented. While there is no fixed timeline, Rhema Kredi Solutions offers tailored solutions designed to expedite the credit improvement process and achieve sustainable results.
No, seeking assistance from Rhema Kredi Solutions will not impact your credit score. Our services are designed to help you understand and improve your credit standing, without causing any negative effects on your credit profile.

Getting started with CIBIL Problem is easy. Simply contact us at 98855 99881 or email us at info@cbilproblem.in to schedule a consultation with one of our credit experts. We will assess your specific needs and develop a customized plan to address your CIBIL-related issues effectively.

Yes, CIBIL Problem is a respected credit advisory service in India with a proven track record of helping clients achieve positive credit outcomes. Our team comprises professionals with extensive experience and specialized knowledge, ensuring that you receive reliable and results-oriented solutions.

CIBIL Problem differentiates itself from similar offerings in the industry by providing personalized and cost-effective packages that are tailored to meet the unique needs of our clients. We prioritize client satisfaction and strive to deliver exceptional value through our comprehensive range of services.

Stay informed about the latest updates and news related to CIBIL and credit management by following our blog and social media channels. We regularly share valuable insights, tips, and industry updates to help you stay on top of your credit journey.

Specialist

Preethi K

Preethi K

What Our Clients Say

Rhema Kredi Solutions has been a game-changer for me! I was struggling with a low CIBIL score and didn't know where to turn. Their team provided personalized guidance and support every step of the way. Thanks to their expertise, my credit score has improved significantly, and I'm now on track to achieving my financial goals. Highly recommended!
Ramesh Gupta
Ramesh Gupta
I can't thank Rhema Kredi Solutions enough for their exceptional service. I was skeptical at first, but their professionalism and commitment to helping me resolve my CIBIL-related issues exceeded my expectations. They took the time to understand my concerns and developed a tailored strategy that produced tangible results. I'm incredibly grateful for their assistance and wouldn't hesitate to recommend them to anyone in need.
Priya Sharma
Priya Sharma
I was at a loss when I discovered errors in my CIBIL report, but Rhema Kredi Solutions came to my rescue! Their team assisted me in disputing inaccuracies and provided invaluable advice on improving my credit score. Their professionalism and attention to detail were commendable, and I'm thrilled with the positive outcome. Rhema Kredi Solutions is definitely the go-to destination for anyone facing CIBIL-related issues.
Neha Patel
Neha Patel
Rhema Kredi Solutions truly stands out in the credit advisory industry. Their team of experts goes above and beyond to deliver comprehensive solutions that are both effective and affordable. I was impressed by their depth of knowledge and dedication to client satisfaction. Thanks to their guidance, I was able to navigate through complex credit challenges with confidence. I wouldn't hesitate to entrust my credit journey to Rhema Kredi Solutions again!
Karthik Menon
Karthik Menon
Choosing Rhema Kredi Solutions was one of the best decisions I've made for my financial future. From the initial consultation to the ongoing support, their team demonstrated a genuine commitment to helping me achieve my credit goals. Their expertise and personalized approach gave me the confidence to take control of my credit journey. I'm grateful for their guidance and wouldn't hesitate to recommend them to others.
Ajay Singh
Ajay Singh

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