Question 1

How do I fix my CIBIL score?

Accepted Answer

Upload your CIBIL report on KredPlus. Our AI diagnoses errors, late payments, and high utilisation, then generates a dispute letter you can send directly to your bank. We track the 30-day response window and escalate to RBI if needed.

Question 2

Is KredPlus free?

Accepted Answer

The CIBIL diagnosis is completely free. Dispute letter generation and 30-day tracking is available at ₹1. A Done-For-You service where our team handles filing on your behalf is also available.

Question 3

How long does it take to improve a CIBIL score?

Accepted Answer

Banks have 30 days to respond to a dispute. Once corrected, bureaus typically update your score within 45 days. For no-history users building from scratch, expect the first visible score in 3 to 6 months.

Question 4

Can KredPlus dispute errors on my CIBIL report?

Accepted Answer

Yes. KredPlus identifies disputable errors — wrong late marks, accounts you did not open, incorrect balances, or settled accounts still showing as outstanding — and generates a legally worded dispute letter addressed to the bank.

Question 5

What happens if my bank doesn't respond to my CIBIL dispute in 30 days?

Accepted Answer

As per RBI Circular RBI/2023-24/72, if your complaint is not resolved within 30 days, the bank and/or CIBIL must pay you ₹100 per calendar day as compensation. KredPlus tracks your 30-day window, notifies you on Day 15, 28, and 30, and automatically unlocks the RBI escalation letter when the deadline passes — so you never miss your right to compensation.

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