Financial advisors say that if you know your Cibil rating has gone down or there is an issue with your rating, then you can directly approach Cibil online.
One can fill up an online Credit Score Request Form and pay Rs 470 as fees to get your credit report.
With the credit score in hand one needs to get in touch with the bank or financial institution where you have a pending issue to resolve the same.
Even for credit enhancement, one can directly approach the bank and take credit card against a fixed deposit with the bank to move on a healthy credit enhancement path.
Ideally the system (banks and other credit providing firms) should create alerts for people. Banks should inform their customers that if they do not make their payments on time, their rating will dip by this many points. So we need more awareness on what helps in building good credit and what actions can lead to its deterioration.
However, in the absence of awareness and knowledge on what can hit your credit, Credit Sudhaar may come as a handy advisor to you. At an organisation level, they seem to be the only one offering a credit health check-up service as of now.
The services of Credit Sudhaar have become popular. They already have 3,500 clients in just one year of operation. For the credit restoration programme, the charge is Rs 11,000 per annum and for the full service of credit restoration, credit enhancement and credit protection, the firm charges an annual fee of Rs 16,000.
So you can go to creditsudhaar.com and solve your aforesaid problems in a peaceful and professional manner.