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accounts with ease

CreditFit helps you improve your score, repair your credit profile, and qualify for loans.

Clear unpaid dues

Flexible & personalised repayment plans

Regain loan eligibility

2.3 Cr+

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7.2 lakh+

Resolved Negtive Issues

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Improved their Credit Health

4.4 / 5 Rating

★★★★★

Written By
Subhashini N

Reviewed By
Anandhakumar J

Home / Resolve

Resolving Your Negative Account With CreditMantri

Are you struggling with negative accounts on your credit report? You’re not the only one. There are many individuals who have challenges like overdue EMIs, credit card dues, or written-off loans that will pull-down their credit scores. These negative accounts will make it difficult for them to have access to premium credit cards and loans. At CreditMantri, we help you to identify, understand and resolve such issues in a step-by-step manner. This will help you to rebuild your credit health and regain financial confidence.

As a CreditMantri user, you will be explained about credit scores. You will get an expertise help and guidance on the importance of a good credit score and its importance and impact to become loan eligible. Get an idea of the various terms and conditions that need to be satisfied in order to become loan eligible.

What Does Resolving Through CreditMantri Mean?

Resolving your negative account through CreditMantri helps you to:

Identify the errors and discrepancies in their credit report.
Resolve long-standing issues like defaults, settlement, or overdue accounts.
Negotiate with lenders to close or restructure pending accounts.
Build a step-by-step action plan to improve your credit score.

How CreditMantri Helps You to Resolve Credit Issues?

Detailed Credit Analysis Report

We will get in touch with the credit bureaus to get your credit report.
Identify the negative accounts, discrepancies, and errors that might lower your credit score.

Identify the Main Cause

We round out the exact cause for your credit score drop. This could be due to unpaid EMIs, outstanding bills on credit cards, or incorrect reports given by banks, NBFCs or lenders.
If you are a registered user with us, you are eligible for exclusive offers to settle or clean close your negative account.
Flexible EMI structure is also provided to clean close your negative account.

Negotiation and Resolution Support

Our team helps you to connect with lenders by helping you to write off your account. This could be either for a settlement process or a clean closure process.

Settlement: This process is initiated for those customers who do have the required amount and the intention to pay off the lender.
Clean Close: This process is initiated to customers who do not have the required amount to pay off the lender.

Support to update your loan status in your credit report through credit bureaus.

Personalized Action Plan

Customized action plan is initiated for timely repayment reminders, limit credit utilization, and build a healthy credit mix portfolio.
Milestone tracking to measure improvement over time.

Benefits of Resolving With CreditMantri

The following are some of the benefits that can be derived from customers when they resolve through CreditMantri. They are:

We can clear your negative accounts by negotiating with the lender
Your chances for better loans and premium credit card approvals increases
You can improve your credit score systematically and strategically
You will get financial help and guidance at every step
You can always get the help and guidance of CreditMantri to deal with lenders directly.

Who Can Benefit from Resolving Through CreditMantri

The following customer segments can immensely get benefitted by resolving through CreditMantri. They are:

Individuals who have faced loan rejections due to low credit scores.
Customers who are getting collection calls from lenders.
Customers who have negative accounts in their name.
Customers who are keen on re-building their credit score.

Why CreditMantri?

You might be wondering as to why you want to resolve your negative issues with CreditMantri. CreditMantri has:

Partnerships with top-most banks, NBFCs, and lenders.
A successful track-record of resolving negative accounts.
A transparent and professional approach with ethics and keeping customers' welfare in mind.

Frequently Asked Questions

Customer Testimonials

Meet Our Happy Customers

I had settled my personal loan, which was causing me a lot of trouble. Their credit coaches, who are experts in this field, went through my entire credit report and explained to me why clean closure is better than settlement. They also guided me on how to resolve the dues. Today, my account is marked as “closed,” and my credit score has started improving. Thanks, CreditMantri.

Aarav Chakraborty

My credit score was poor due to a written-off credit card that I had neglected years ago. I CreditMantri gave me a helping hand and convinced me that there is always hope, even in the face of unresolved past issues. Now I can see my credit score improving, and I can also confidently apply for a home loan without getting rejected.

Aahan Pandey

After I lost my job, I could not pay my loan EMIs, and my loan went to “written off” status. That’s when CreditMantri stepped in. They contacted my lender on my behalf, negotiated for me, and helped me to repay the balance and close-off the account entirely with best offers. Thank you, CreditMantri, for showing the right pathway.

Daksh Malik

I have always maintained a good credit score, but I don’t know how to use it to my advantage. CreditMantri guided me to make the best out of my credit score. They gave me multiple offers and chose a good home loan with competitive interest rates. This helped me save a lot of money on interest. Thanks, CreditMantri team.

Shiney Kapoor

I had no credit score at all. CreditMantri guided me with a simple action plan. Their experts advised me to on options of various secured and unsecured loans. They also guided me with the right lenders who can help me to secure loans at competitive interest rates. Right now, I can see a positive trend with my credit score. Thanks, CreditMantri team.

Rahat Ali Khan

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