Rebuild. Restore. Rise.
Your Credit, Your Power – Unlock Financial Freedom Today!
Bad credit is blocking your dreams – higher interest rates, loan rejections, missed opportunities. Our expert team uses proven legal strategies to repair your credit and unlock the financial future you deserve.
- ✓ Remove negative entries from all 4 bureaus
- ✓ Boost your score by 100-200+ points
- ✓ Unlock home, auto & business financing
What Issues Are Hurting Your Score?
We specialize in resolving all types of credit issues. Click on each category to learn more.
Late Payment & DPD
Days Past Due (DPD) entries can severely affect your CIBIL score.
- 30/60/90+ DPD
- Missed EMI Payments
- Credit Card Minimum Due Missed
- Cheque Bounces
We negotiate to update inaccurate late markers and clarify DPD statuses with lenders.
Settled or Written-off
Accounts marked as "Settled" or "Written-off" reflect major defaults.
- Post Settlement Status
- Written-off by Bank
- Wilful Defaulter Tag
- Suit Filed Accounts
We analyze procedures and dispute errors in settlement reporting under RBI guidelines.
Multiple Hard Inquiries
Frequent loan or credit card applications show "credit hunger".
- Too Many Loan Applications
- Unapproved Credit Card Checks
- Employment Verification Inquiries
We dispute unauthorized hard inquiries to have them removed from your CIBIL report.
Guarantor Defaults
If you stand as a guarantor and the borrower defaults, your score falls too.
- Co-applicant Default
- Guarantor Responsibility
- Joint Loan Issues
We help dispute incorrect guarantor tags or clarify payment responsibilities with lenders.
Identity Theft & Fraud
Loans or cards taken in your name using fake PAN or Aadhar details.
- Fraudulent Loans
- Fake PAN usage
- Unknown Credit Cards
- Synthetic Identity Fraud
We assist in lodging disputes with bureaus to clear these fraudulent entries entirely.
Errors in Personal Detail
Wrong PAN, name mismatch, or mixed files can link someone else's default to you.
- Mixed Credit Files
- Wrong Address/PAN
- Name Mismatch
We file corrections for personal details to ensure only your credit history is mapped to you.
What Can Be Removed From Your Report?
Under consumer protection laws, you have the right to dispute inaccurate information
Inaccurate Late Payments
Challenge incorrect payment history reporting
Unauthorized Hard Inquiries
Remove inquiries you never authorized
Fraudulent Accounts
Eliminate accounts opened without your consent
Duplicate Entries
Remove the same debt reported multiple times
Outdated Negative Items
Challenge items past the 7-year reporting period
Incorrect Personal Info
Fix wrong addresses, names, or employment data
Mixed File Errors
Separate your file from someone else's
Incorrect Balances
Dispute wrong amounts reported on accounts
Important: We can only dispute and remove inaccurate information. Accurate negative information cannot be removed before the legally mandated time period (typically 7 years). We operate 100% within legal boundaries.
Our 4-Step Credit Repair Process
A proven system that has helped 1000+ clients improve their credit scores quickly and ethically.
Free Credit Analysis
We pull your credit reports from all 4 major bureaus and perform a comprehensive analysis.
Strategy Creation
Our experts identify all negative items and create a personalized dispute strategy for you.
Bureau Communication
We file disputes with credit bureaus and creditors on your behalf leveraging RBI laws.
Score Improvement
As negative items get removed, your score improves. We provide regular updates.
Ready to Transform Your Credit?
Get your free credit analysis from our experts today!
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 CIBIL 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."