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Most lenders in India are willing to lend to customers with 750+ CIBIL score or 650+ Equifax score
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There are 3 popular Credit bureaus in India - CIBIL, Equifax and Experian. All 3 of them provide a credit score. Most people think CIBIL is the only available credit score - which is not accurate. Since CIBIL has been in India for more years than Equifax, it has more brand recall - like Xerox is for copiers.
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You can check your Credit Score online. CreditMantri helps you access your score and provides an in depth analysis: online real time with no or little paperwork. Individuals can also opt for getting their Credit score directly from the bureau e.g. you can visit the CIBIL website and pay for getting your credit score and report. However, reports you get from the bureaus do not have the analysis and action steps which CreditMantri provides
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Both represent the credit health of the entity. In common parlance, Credit Reports usually pertain to individuals, though in some cases they also pertain to businesses. Credit Rating is provided to companies by rating agencies like ICRA, CRISIL etc. If you are an individual, you should be looking at your Credit Score and history.
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No. Clearing your old dues to lenders by making payments will help arrest the fall of your credit score. To increase your score, you will need to make regular payments on your other borrowings.
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CreditMantri provides online analysis and action steps in addition to your Credit History and Score from the bureau. This is not available to you online real-time anywhere else.
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When lenders access your credit report and score, it is usually deemed as an enquiry and many enquiries on your credit report make lenders see you as credit hungry. However, our Credit health Check does not show up as an enquiry.
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It is a good practice to know the status of your Credit Health - derived from your Credit Report and Score along with other data points before you apply. This will help avoid rejection of your application by lenders.
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About Us

CreditMantri was created with the intent to change the way credit is delivered in India by leveraging the power of technology and the digital medium.

Our unique model is built on the premise that when information is transparently made available to both borrowers and lenders, decision making is simple and noise free. Borrowers gain by having a better control over their credit health and thereby making an informed product choice. Borrowers also benefit by applying only to those lenders willing to lend to them and opting for credit products, credit improvement services at price points acceptable to them. Lenders gain by not having to waste time and energy sifting through applications which don't match their lending criteria.

Our Partners

Served more than
100,000 customers

Hear what they say

Georgina Quinn

Made Me Buy A House

I got my housing loan from LIC. Thanks a lot for all your support. As you promised, you made me to buy a house by clearing all my CIBIL issues.

Prashant K Swamy

Score Increased Considerably

My score has improved considerably within a span of 1 year. My sincere thanks to your support and I am happy with your professional approach.

Satish Kumar, BPO

Thank You For Your Support

I am very glad to tell you that my CITI Bank Credit card problem is solved and I am very thankful to you because it got resolved only because of your help. CITI Bank has confirmed that there is no due amount to be paid from my part. Thank you very much for your support and the care you took for my issue. Special thanks to Gokul for taking care of my issue.

Jitender Malik

Recommendations Are Really Practical

Your recommendations are really practical to follow. Thanks for the support. I wish you/your company to be a pioneer in this upcoming industry/credit consulting in India.

Raza Khan

Professional Approach and Guidance

Highly appreciated your professional approach and the guidance provided to me to solve my issues with CIBIL. Being an NRI, I was not familiar with these things. I am sure a lot of people who work abroad like me, do not have sufficient knowledge about CIBIL. I will definitely recommend your company to my friends circle and you can expect few people will contact you in the very near future.

Saranjeet Singh

Dedication Towards Your Clients

I am so thankful to you and ; your team and overall CreditMantri for getting my credit score from 673 in 2014 Jan to 771 in Oct 2014. I am so obliged to see your dedication towards your clients and helping them to improve their score. I am going to refer to all my friends and family willingly about your services.

D. Chakravarthi

Very happy working with you

Thank you so much sir for bringing this critical account to closure sir. Very happy working with you. Very much appreciate your service sir.

Mohandas Kalipurayath

Really happy with your service

Thanks a lot. I am really happy with your service and will surely recommend you to friends and colleagues who face such difficulty in the future.

Narayanan Nair

Overjoyed with your service

We are overjoyed with your kind of service which has helped us understand the whole issue in a much more transparent way.

Nilesh Jangam

Really Happy

Thank you so much for helping me on this. I am really happy with the service of CreditMantri.

Punit Mathur

Excellent Experience

Thanks for all the help. Dealing with you was an excellent experience. I am delighted to state that my case was very professionally handled by you and your organisation. I would like to congratulate you for keeping high professional standards. Thanks once again for getting my issues resolved.

R Kumar

Thank you for enlightening the path

Thank you so much for enlightening the path from Being CIBIL Defaulter to No Defaulter. I am deeply indebted.

Rajeev Kumar

Noble Cause

The Work you have started is for a noble cause called rebuilding the credit worthiness. Aur ye kam kisi punya se kam nahi hai.

Saikat Chatterjee

Impressed With Your Promptness

The interactions with you and your team have been very professional and I am also impressed with your promptness and responsiveness. It has been a pleasure working with your firm. Thank you for your outstanding service philosophy. I must say that it is such a rare thing to find in today's world.

Somorjit Mangang

You Guys are Experts

You guys are experts - I will always follow whatever CreditMantri suggests

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We ensure that your data is safe and secure with us

CreditMantri uses bank grade security to protect your data. The nature of information we process and store is similar to other financial services companies you already use. We use SSL (secure Socket Layer) for establishing an encrypted link between your browser and our website.

All the data which you transmit to CreditMantri is transmitted securely. We also additionally encrypt data related to account and credit card information while storing it in our system.

Data privacy is important to us. All information we collect is based on user consent. In addition, information about a borrower is shared with lenders only after taking an explicit consent.