Shirish Agrawal & Associates

CIBIL Score Improvement

Fix Your CIBIL Score.
Get the Loan You Deserve.

A wrong entry in your CIBIL report can block home loans, business loans, and credit cards for years. We dispute errors, coordinate with banks, and restore your credit profile.

Common CIBIL Issues We Resolve

These are the most frequent errors we find and fix in clients' CIBIL reports.

Incorrect Personal Details

Wrong name, address, date of birth, or PAN number that causes mismatches and score drops.

Duplicate Loan Accounts

The same loan appearing multiple times in your CIBIL report, inflating your outstanding debt.

Settled Accounts Marked Active

Loans you've already repaid or settled that still show as 'Active' or 'Written Off'.

Wrong EMI Defaults

EMIs marked as 'overdue' or 'defaulted' even though you paid on time.

Fraudulent / Identity Theft Loans

Loans taken in your name without your knowledge that are dragging your score down.

High Credit Utilisation

Guidance on reducing utilisation ratio and improving the mix of credit on your profile.

How Our Process Works

01

Free CIBIL Report Analysis

We review your full CIBIL / Equifax report and identify every error or dispute-worthy entry.

02

Dispute Letter Drafting

Our team drafts a precise dispute letter citing the exact account number, error type, and supporting evidence.

03

Lender Coordination

We follow up with the concerned bank or NBFC to confirm correction at their end.

04

CIBIL Bureau Follow-up

We track the dispute status with CIBIL and escalate if not resolved within 30 days.

05

Score Monitoring

After correction, we check the updated report and advise on further credit-building steps.

Why Choose Us for CIBIL Disputes?

  • Legal expertise — disputes drafted by a qualified LL.B advocate
  • Direct lender coordination, not just online complaints
  • Transparent process — you are updated at every step
  • No recovery of fees if the error is not removed
  • Serving Harda, Hoshangabad, Betul, and all of MP