Frequently Asked Questions

Credit Samadhaan is India's trusted credit improvement advisory service. We help individuals understand their credit reports, build a step-by-step plan to improve their CIBIL score, and fix errors in their bureau reports — all in simple Hindi. We operate through our team and a network of 500+ local Credit Samadhaan Kendra (CSK) partner centers across Tier 2/3 cities.

No. Credit Samadhaan is an independent credit counseling and advisory firm. We are not affiliated with, endorsed by, or acting as an agent of CIBIL, Equifax, CRIF, Experian, any bank, NBFC, or the Reserve Bank of India. We access your bureau report on your behalf with your explicit consent to help you improve it.

Credit Samadhaan operates pan-India with 500+ local partner centers, primarily in Tier 2 and Tier 3 cities across Madhya Pradesh, Rajasthan, Uttar Pradesh, Bihar, Chhattisgarh, Maharashtra, and beyond. Our online services are available to anyone in India with a valid PAN card and mobile number.

Fastest way: WhatsApp +91-7587557470 (Mon-Sat, 10am-6pm IST). Email: info@creditsamadhaan.com. Grievances: info@creditsamadhaan.com. We typically respond within 2-4 hours on business days.

A CIBIL score (credit score) is a 3-digit number from 300-900 representing your creditworthiness. Score ranges: 750-900 Excellent (best loan terms) | 650-749 Good (most loans approved) | 550-649 Fair (limited approvals) | Below 550 Poor (most applications rejected). Banks check your score before approving any loan or credit card. A low score = rejection.

Payment History (35%): Late or missed EMIs are the biggest negative factor. Credit Utilization (30%): Using more than 30% of your credit card limit hurts your score. Credit Age (15%): Older accounts help. Credit Mix (10%): Having both secured and unsecured credit is positive. New Inquiries (10%): Multiple loan applications in a short time lower your score.

3-6 months: For customers with moderate issues (high utilization, recent missed payments) who follow their plan consistently. 6-12 months: Multiple late payments or defaults. 12-24 months: Recovery from major defaults or settlements. Timeline depends on your specific situation and consistent follow-through of the plan.

No. When you or your authorized representative accesses your own credit report, it is a soft inquiry and does not affect your score. Only hard inquiries — when a lender pulls your report after you apply for a loan — can slightly lower your score. Credit Samadhaan's access on your behalf is always a soft inquiry.

A CIP is a personalized step-by-step roadmap to improve your CIBIL score. We analyze your bureau report, identify what's dragging your score down, and give you a clear, actionable plan. Single Bureau CIP (Rs.699): 1 bureau, 30-day support. All-Bureau CIP (Rs.1,499): All 4 bureaus, 90-day support. Plans delivered in Hindi via WhatsApp within 48-72 hours.

Single Bureau (Rs.699) if you know which bureau your lender checks. All-Bureau (Rs.1,499) is recommended if you've been rejected by multiple lenders, don't know which bureau they checked, or want a complete picture of your credit health across all 4 bureaus. Since different banks check different bureaus, scores can vary significantly between them.

Yes, your Credit Improvement Plan is delivered in simple Hindi via WhatsApp. You get: plain-Hindi summary of what's hurting your score, numbered action steps, timeline expectations, and ongoing WhatsApp advisory support from our team.

For CIP: we give you a personalized plan and support you while you follow it. For Credit Repair: we actively file bureau disputes on your behalf to correct specific errors — this is a more hands-on service where we do the heavy lifting for corrections.

Step 1 - Free Assessment: Apply with no payment. We access your report and identify all errors. Step 2 - Written Quote: We send you a detailed written quote listing every identified problem and our commitment to work towards resolving each — before any payment. Step 3 - You Approve: Payment only after you review and approve the quote. Step 4 - We Dispute: We file bureau disputes on your behalf and track progress until each issue is resolved.

No. Credit Samadhaan will never attempt to dispute factually accurate information. Legitimate defaults, genuine late payments, and valid settlements cannot be removed. We only dispute entries that are incorrect, unauthorized, or outdated — such as a repaid loan still showing as outstanding, an account you never opened, or a settled loan incorrectly marked as a write-off.

Each bureau dispute cycle takes approximately 30 days per RBI guidelines. Complex cases with multiple issues may take 60-120 days or more. The exact timeline for your case will be stated in the written quote before you make any payment.

If a specific issue listed in your written quote remains unresolved after completing all bureau dispute cycles and exhausting all escalation options, Credit Samadhaan will offer a pro-rata credit or partial refund proportional to that item's share of the total quote value. Please note: the final decision rests with the credit bureau, not Credit Samadhaan. We commit to diligent pursuit, not an unconditional outcome. See our Refund Policy.

We accept all major payment methods via Razorpay (PCI-DSS certified): UPI (PhonePe, GPay, Paytm, BHIM), Credit and Debit Cards (Visa, Mastercard, RuPay), Net Banking, and EMI (subject to bank availability). We do not store card or UPI credentials.

No refund once the bureau report has been fetched and your plan has been generated and delivered. Refunds are available only for: duplicate payment, payment debited but order not created, or service not delivered due to our technical failure. See our full Refund and Cancellation Policy.

UPI: 5-7 business days. Credit/Debit Card: 7-10 business days. Net Banking: 7-10 business days. Refunds go to the original payment method only. Email info@creditsamadhaan.com with your Order ID within 48 hours.

Contact us immediately on WhatsApp +91-7587557470 or email info@creditsamadhaan.com with your Order ID and both transaction details. Duplicate charges are fully refunded within 7 business days.

Credit Samadhaan Kendra (CSK) is our franchise partner network. CSK partners are local agents — Jan Seva Kendra operators, CSC agents, insurance agents, shopkeepers, freelancers — who sell Credit Samadhaan services to customers in their local area and earn commission on every sale. Zero investment, low effort, additional income stream.

CSK partners earn 30% flat commission on every service sold, with performance bonus tiers. Example: 10 All-Bureau CIP sales/month = Rs.4,497 additional income. Active partners earn Rs.5,000-Rs.15,000/month. Commission is paid weekly via UPI.

Zero investment. Rs.0 joining fee. No franchise fee, no inventory, no office setup required. You need only a smartphone and willingness to connect with people locally. Training is provided free through our CSK partner app.

Fill the Partner Enquiry form on our main page. Our team will call you within 24 hours. The process: fill form, KYC verification, training, start selling. Takes less than a day.

Yes. SSL/TLS encryption for all data in transit, encrypted storage for sensitive documents, authorized-personnel-only access, bureau reports permanently deleted 90 days after service completion, and Razorpay PCI-DSS infrastructure for payment data. We never sell, rent, or share your data with lenders, banks, or third parties for commercial purposes.

No. We are a credit counseling advisory service, not a loan marketplace or lead generation company. We do not share your information with banks, NBFCs, or lending apps. Your data is used only to deliver the service you paid for. See our Privacy Policy.