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Reclaim Your
Credit Sovereignty

We audit, dispute, and remove unauthorized accounts, settle reporting errors, and boost your credit scores to secure prime lending approvals.

Instant Credit Audit

Analyze CIBIL, Experian & CRIF records for unrecognized loans or errors instantly.

Trusted by elite banking partners & direct clients

Trusted by leading financial institutions

Stop PAN Card & Fake Loan Abuse

Unregulated instant loan apps frequently abuse Indian PAN cards to register unauthorized debt. We scan your report, identify fake accounts, and close them legally.

Identity Theft Audit

We run a multi-bureau scan to identify loans registered under your credentials from unrecognized micro-lenders and instant credit apps.

Verify Identity

Bureau Disputes Filing

We draft and submit formal disputes directly to CIBIL, Experian, Equifax, and CRIF to strike down unauthorized loans and inquiries.

Raise Dispute

Account Closure Tracking

We communicate directly with lending banks to issue legal warnings, forcing them to mark the fraudulent accounts as 'Closed' in the database.

Track Closure

Our 60-Day Score Booster Blueprint

Improving credit health isn't magic. It's a structured, legal sequence of credit audit, disputing, and utilization optimization.

Phase 1: Direct Multi-Bureau Audit (Days 1–7)

We pull your full records from CIBIL, Experian, and CRIF to flag address mismatches, incorrect dates of defaults (DPD), hard inquiries, and unrecognized loan applications.

Phase 2: Dispute Drafting & Bureau Filing (Days 8–15)

Our credit legal experts prepare customized dispute letters to contest incorrect public filings, settled loans reported as written-off, and fraudulent PAN transactions.

Phase 3: Bank Negotiations & Settlement (Days 16–45)

We coordinate directly with bank managers to resolve old outstanding credit card dues, negotiate settlements, and obtain No Objection Certificates (NOC) to clear your track record.

Phase 4: Score Boost & Prime Loan Unlocking (Days 46–60)

As corrected records compile in major credit registries, watch your score climb over 750+. We then unlock direct, low-interest bank loan applications with zero agent commission.

Calculate Your Interest Savings

A lower credit score forces banks to charge premium risk interest rates. Drag the sliders to see how much you save yearly by boosting your credit health.

LOAN AMOUNT ₹25,00,000
CURRENT CREDIT SCORE 580
Estimated Annual Savings
₹1,90,000/yr
Current ROI 16.00%
Boosted ROI (750+) 8.40%
Resolve My Score & Save

Real Recovery Success Stories

See how we disputed fraudulent entries, settled billing errors, and successfully boosted scores for our premium clients.

Identity Theft Resolved

Aniket Sen, IT Professional

"My home loan application was rejected due to an active defaults entry on Experian. I discovered that an unrecognized loan of ₹15,000 was registered on my PAN card. B Credit issued legal notices to the lender, successfully removed the entry, and resolved my score to 765 in 45 days."

Initial Score 580 (Experian)
Boosted Score 765 (Experian)
DPD Mismatch Settlement

Priya Menon, Small Business Owner

"A closed credit card was wrongly reported as written-off due to an address verification mismatch. B Credit negotiated with the bank bureau reporting desk, obtained the NOC document, settled the issue, and boosted my CIBIL score back to 780."

Initial Score 610 (CIBIL)
Boosted Score 780 (CIBIL)

Frequently Asked Questions

How do unauthorized loans get registered on my PAN card? expand_more
Unregulated instant loan apps and fintech lenders often fail to verify physical signatures or identities. Fraudsters use leaked PAN numbers to generate short-term virtual loans. B Credit identifies these loans on your bureaus and initiates official legal dispute filings to remove them.
What is the difference between a credit bureau and a credit health agency? expand_more
Credit bureaus (CIBIL, Experian, CRIF, Equifax) only record the financial data sent by banks. They do not analyze or fix errors for you. B Credit acts as your legal representative—we audit your reports, identify inaccuracies, negotiate settlements with banks, and lodge disputes with bureaus to clear your name.
How long does it take to boost my credit score? expand_more
Most bureau disputes require 30 to 45 days for verification. Our standard booster programs show maximum visual changes on reports within 45 to 60 days of dispute filing.
Is checking my score via B Credit safe? expand_more
Absolutely. We use bank-grade 256-bit SSL encryption to secure your connection. Our scans are registered as "soft inquiries" which have zero impact on your credit score ratings.

Protect your identity. Elevate your financial score.

Join thousands of Indian professionals utilizing B Credit to audit reports, resolve fraudulent accounts, and save lakhs in loan interest.

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