Your Score, Decoded
What the 300-900 number is, where it comes from, and the interest it quietly costs you.
The Four Bureaus & Your Free Report
CIBIL, Experian, Equifax and CRIF High Mark — and the free full report you are entitled to from each.
What Actually Builds Your Score
The five factors, the ones that matter most, and what has no effect at all.
The 2026 Reporting Revolution
Why your score now moves in days, not weeks — and the dates that matter.
The Five Score Killers
Each damage, and the exact fix for it.
Read Your Report Line by Line
The fields that decide your fate and the 10-point audit.
The Dispute Playbook
Fix errors for free — and claim Rs. 100 a day when the 30-day clock runs out.
The Utilisation Timing Hack
Why when you pay matters more than how much.
Recovering from Settled or Written-Off
The honest timelines and the realistic rebuild path.
First-Time Borrowers
Building a score from zero — and the rule that protects you.
Using Credit Cards Safely
The minimum-due trap, secured cards and the rules that keep you clean.
What Banks Check Beyond Your Score
FOIR, income stability, employer profile, banking behaviour and the property.
How a Lender Actually Decides
The five-stage pipeline — and where you can still influence it.
The FOIR Maths, Worked
Two worked examples that turn a rejection into an approval.
Score Bands
What each band qualifies for, and what a lower score costs.
The 90-Day Repair Plan
A dated, four-window plan to change what a lender sees next month.
The 12-Month Rebuild
For scores below 650 — with realistic timelines.
Which Debt to Clear First
Avalanche, snowball and the credit-specific rule.
Your Score Is a Savings Problem
Why a one-month buffer prevents most missed payments.
Comparing Loan Offers
APR, fees, prepayment and the tenure trade-off, worked.
Co-Applicants & Guarantors
When a second person helps — and when it sinks you.
Your Rights as a Borrower
The eight things RBI's rules entitle you to.
Credit After a Job Loss
Restructuring, moratoriums and the cost of going silent.
Students & Small Business
Building credit as a young earner or a business owner.
Five Real Profiles
Worked end to end — fresher, settled, rejected, maxed-out, self-employed.
Habits of a Strong Score
The seven boring habits that make the number take care of itself.
Scams, Myths and Traps
What no one can legally do for you — and how to spot the frauds.
Questions People Ask Most
33 answers to the questions everyone searches for.
Worksheets & Templates
Audit checklist, dispute tracker, dispute message and a 30-day calendar.
Quick Reference
Every rule, date and contact on one page, plus a glossary.
Action Plan & Tracker
A one-page plan and a 12-month progress tracker.
