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// cibil recovery hub

Score wapas laao.

Honest CIBIL recovery — no "boost in 7 days" lies. Pick your band, get a plan.

What's your CIBIL?

620
Subprime

Approval at very high APRs. 9–12 months of cleanup.

Realistic horizon
12 months
Band range
580–649

Your action plan

  1. 1Resolve any 60+ DPD entries — confirm bureau update.
  2. 2Bring credit-card utilization below 30% on every card.
  3. 3Avoid new credit applications — each hard inquiry costs 5–15 points.
  4. 4Pay every EMI on or before statement date for 9 months straight.

Found a wrong entry on your CIBIL?

You can dispute it under Section 21, Credit Information Companies (Regulation) Act, 2005. The bureau must investigate within 30 days.

  1. Pull the report from cibil.com (free annual copy).
  2. Note the disputed entry's account number and lender name.
  3. File a dispute on the CIBIL "Online Dispute Resolution" portal.
  4. Attach proof: bank statement, NOC, settlement letter.
  5. Lender has 30 days to respond.
Open dispute generator Settle vs pay-full calculator 6/12/24-month recovery roadmap
580 → 750 in 12 months
Real recovery story walked through month by month.
Read
Settlement vs Pay full
Why "Settled" status hits CIBIL harder than you think.
Read
Minimum-due trap
How "Minimum Due" turns a ₹10K bill into ₹22K over 3 years.
Read

Disclaimer: General information, not financial advice.

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