Improve Your Credit Health with Expert Guidance
Your Credit, Your Power – Unlock Financial Freedom Today!
Your credit report plays a critical role in your financial life. Whether you are applying for a personal loan, home loan, credit card, business loan, or government scheme loan — lenders evaluate your credit score and repayment history before approving your application. We provide professional Credit Counselling and Credit Report Rectification Services.
- ✓ Remove negative entries from all 4 bureaus
- ✓ Boost your score by 100-200+ points
- ✓ Unlock home, auto & business financing
What is Credit Counselling?
Credit Counselling is a professional advisory service that helps borrowers understand their credit report, identify errors, manage existing liabilities, and adopt better financial habits to improve their creditworthiness.
At Dhanshree Financial Solutions, we provide professional Credit Counselling and Credit Report Rectification Services to help individuals and businesses understand, manage, and improve their credit profile.
Our team of credit experts analyses your credit report in detail and provides structured guidance, dispute assistance, and financial strategies to help you build a stronger credit profile. We believe everyone deserves a second financial chance — the right way.
What's Hurting Your Score?
We provide comprehensive credit solutions, from dispute resolution to strategic counseling. Click on each category to learn more.
Name/Address/DOB Mismatch
Discrepancies in your personal details can lead to mixed credit files and lower scores.
- Incorrect Name Spelling or format
- Old or Wrong Address reflecting
- DOB mismatch causing identity issues
We file data correction requests with bureaus to ensure only your authentic details are updated.
Guarantee liability issue
Being a guarantor for someone else's loan means you are equally responsible for repayment.
- Guarantor liability reflecting on your report
- Co-applicant default impact
- Unaware of guarantor status
We review your report to ensure guarantor liabilities are accurately reflected and help dispute incorrectly assigned tags.
Wrong Loan Accounts
Finding a loan account on your credit report that you never applied for is a serious issue.
- Wrong loan accounts showing in your report
- Duplicate loan accounts
- Loans not belonging to you
We help you identify unauthorized loans and raise disputes with both the lender and the credit bureaus for swift removal.
Payment Not Updated
You have paid your EMIs on time, but the bank hasn't updated the same with the credit bureaus.
- Payment done but status not updated
- Delay in reporting by lenders
- Missing EMI records
We assist in escalating this issue with your lender and providing proof of payment to ensure accurate recording.
Close Loan Showing Active
Even after you have fully repaid a loan, it might still show as 'Active' on your credit report.
- Closed loan still showing active
- NOC/NDC not updated with bureaus
- Credit cards not showing as closed
We help you get the NOC updated with the bureaus so the account reflects as closed accurately.
Identity Misuse/Data Mix UP
Due to similar names or clerical errors, someone else's poor credit history gets mixed with yours.
- Mixed credit files with another person
- Identity theft or fraud
- Wrong PAN / Aadhaar mapping
We thoroughly analyze your report to separate your authentic credit history from mixed data and dispute inaccurate entries.
Loan Account Not -shown
A missing loan account deprives you of the positive impact it should have on your credit score.
- Good repayment history not showing
- Specific lender not reporting to bureaus
- Missing positive credit lines
We collaborate with financial institutions to ensure all your legitimate and positive credit accounts are properly reported.
Incorrect DPD Entries
Incorrect Days Past Due (DPD) entries, where you paid on time but the report shows delays.
- Incorrect DPD (Days Past Due) entries
- False late payment marks
- Technical errors during payment processing
We help you dispute these false DPD marks with evidence of timely payments to restore your credit health.
Written off/Settled
An account marked as 'Settled' or 'Written Off' tells future lenders that you did not pay the full amount.
- Written-off / Settled status applied in error
- Post write-off status not updated
- Settlement reporting issues
If the status was applied in error or dues are cleared, we negotiate and rectify the reporting status.
Important Disclaimer:
Dhanshree Financial Solutions provides credit counselling and advisory services only. We do not guarantee removal of legitimate loan records or direct modification of credit bureau data. Any correction in credit reports is subject to verification and approval by the respective lender and credit bureau as per regulatory guidelines.
Our Credit Counselling Process
A proven 5-step system that has helped 1000+ clients improve their credit scores.
Credit Report Review
We pull and thoroughly review your credit reports from all 4 major bureaus to understand the complete picture.
Problem Identification
Our experts identify all errors, mismatches, incorrect entries and negative items affecting your score.
Advisory & Action Plan
We create a personalized action plan with clear strategies for dispute, correction, and credit improvement.
Dispute & Rectification Support
We file disputes with credit bureaus and lenders on your behalf, leveraging RBI guidelines and legal rights.
Credit Improvement Monitoring
We continuously monitor your credit profile, track improvements, and provide ongoing guidance for better scores.
Your Legal Rights Under Indian Law
Credit repair is 100% legal. You have rights protected by RBI guidelines and CICA.
Right to Dispute Errors
Under RBI guidelines and Credit Information Companies (Regulation) Act, you have the legal right to dispute any inaccurate information on your credit report.
Right to Free Annual Report
You are entitled to one free credit report per year from each bureau (CIBIL, Equifax, Experian, CRIF) to review your credit information.
Bureau Must Investigate
Credit bureaus are legally required to investigate disputes within 30 days and correct or remove inaccurate information.
Protection Against Fraud
If you're a victim of identity theft, you have the right to place fraud alerts and freeze your credit file to prevent further damage.
Understanding Your Credit Score
Your credit score is a 3-digit number that represents your creditworthiness. Understanding how it's calculated helps you take control of your financial health.
Your track record of paying bills on time
Percentage of credit limit you use
Length of your credit history
Variety of credit accounts you have
Number of recent credit applications
5 Tips to Boost Your Score
Set up auto-pay or reminders for all your EMIs and credit card bills.
Never use more than 30% of your available credit limit.
Older accounts improve your credit history length.
Don't apply for multiple loans/cards in a short period.
Review for errors at least every 6 months.
Success Stories: Lives Transformed
See how we've helped people just like you achieve their financial goals
"After years of loan rejections, I thought home ownership was impossible. Dhanshree Financial identified 4 errors in my Credit Report Credit Expert report including a wrong settlement entry. Within 4 months, my score jumped from 520 to 758 and I got my dream home loan approved at 8.5% interest!"
"I was tagged as a guarantor for my brother's defaulted loan without my knowledge. My car loan was rejected 5 times! The team helped remove this incorrect entry and improved my score by 215 points. Finally got my car financed at a competitive rate."
"As a small business owner, poor personal credit was blocking my growth. Multiple hard inquiries from failed loan attempts had destroyed my score. The credit repair team systematically disputed each one and coached me on building credit. Now I've secured ₹25 Lakhs in business funding!"
"I had cleared all my dues but the bank never updated my report. I was still showing as a defaulter! Dhanshree Financial escalated my case, got the bank to update records, and helped me qualify for a premium credit card with ₹3 Lakh limit."
Who Should Use Credit Counselling?
Individuals
- Salaried employees
- Self-employed professionals
- First-time borrowers
- Loan applicants with rejected applications
Organisation
- Proprietorship
- Pvt/Public Ltd Company
- Partnership Firm
- LLP
- Others
Financial Intermediaries
- Loan consultants
- Bank DSAs
- NBFC agents
Why Choose Dhanshree Financial Solutions?
Discover the key advantages that make us the trusted choice for credit repair and financial counseling.
Experienced Credit Experts
Team of specialists with deep knowledge of credit bureau processes
Personalized Financial Guidance
Customized solutions tailored to your unique credit situation
Multi-Bureau Dispute Support
We dispute across all 4 bureaus
Transparent & Confidential Process
Complete transparency with strict data confidentiality
Trusted by Borrowers & Consultants
Preferred by individual borrowers and loan consultants alike
Frequently Asked Questions
Find answers to the most common questions about credit score improvement and our credit score repair process.
Your credit score is a 3-digit number reflecting your creditworthiness based on your borrowing and repayment history. It's crucial because banks use it to decide your loan eligibility and the interest rates you'll pay.
Credit repair is a process, not a quick fix. Depending on the complexity of your report and the nature of disputes, it typically takes 3 to 6 months to see significant improvements after errors are corrected.
No ethical service can guarantee a specific score as it depends on your ongoing credit behavior. However, we ensure all inaccuracies are challenged and provide expert guidance to maximize your score growth.
Yes, we provide advisory and dispute support for all four major credit bureaus in India.
Absolutely not. Checking your own score is considered a 'soft inquiry' and has zero impact on your credit score. Only 'hard inquiries' by lenders during loan applications can affect your score.
First, get your latest credit report to identify the issues. Our experts analyze the rejection cause and work with you to dispute errors or create a plan to settle outstanding issues.
Start Your Credit Improvement Journey Today
If your loan application has been rejected due to credit issues, or if you want to improve your credit profile before applying for a loan, our experts can help.