Low CIBIL ki tension? Let's rebuild your score — the right way.
Your credit score decides whether you get a loan, and at what rate. We negotiate with your lenders to close old loans on better terms, bring your overdue EMIs back on track, and move you to cheaper credit — so your report starts working for you again.
Bands are a general guide. Each lender sets its own cut-offs.
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What's pulling your score down?
Four things do most of the damage. Each one has a fix, and that's where we come in.
Missed or late EMIs
Every month an EMI stays unpaid shows up as "days past due" on your report. The longer it runs, the deeper the hit.
Clear overdues & foreclose →"Settled" or "written-off" accounts
These labels make lenders nervous, sometimes more than the score itself.
Negotiate a better close →Too many loans, cards maxed out
Five EMIs on five dates is how payments get missed. Cards used near their limit also drag the score.
Consolidate into one →EMIs that are too heavy
A high interest rate keeps your EMI high, and a tight budget makes slip-ups more likely.
Move to a lower rate →Three ways we rebuild your CIBIL
Your counsellor looks at your report and tells you which route fits. Sometimes it's a mix.
Settlement & Foreclosure
We negotiate with your lender for a better deal to close the loan.
- Clear up to 3 overdue EMIs and bring the account back on track
- Foreclose with penalties and late fees negotiated down
- Settle only as a last resort
Debt Consolidation
Pay off your loans and cards with one new loan from a partner lender.
- One EMI, one date, way less stress
- Lower card utilisation on your report
- Option of a top-up if you qualify
Balance Transfer
Move your loan to a bank or NBFC that charges you less.
- Lower interest, lighter EMI
- Old loan closed and reported as "Closed"
- We compare offers for you
Recovery agents harassing you?
Threats, late-night calls and calling your family are against RBI rules. Know your rights.
So, what's going on?
Har situation ka ek way out hai. Pick the one that sounds like you.
"2–3 EMIs miss ho gayi hain. Late fees badhti ja rahi hai, and my score keeps dropping."
The fastest fix: clear the overdue EMIs so the account is regular again, then foreclose it. We negotiate the penal interest and late fees down with your lender, and the loan gets reported as "Closed".
"I settled a loan two years ago. Ab har bank reject kar deta hai."
A "Settled" tag can often be upgraded. We talk to the lender about paying the shortfall in exchange for a "Closed" status and an NOC, then make sure the bureau record is updated.
"Two app loans, two cards, one personal loan. Every week some EMI is due."
Debt Consolidation pays them all off with one loan from a partner lender. One EMI on one date makes it far easier to pay on time, which is what your score needs most.
"I'm paying 18% on my personal loan when my friend got 12%."
If your repayment record is clean, a Balance Transfer can move your loan to a lender with a lower rate. We compare offers and show you the real saving after fees.
How it works
Simple, transparent, and you're in the loop at every step.
Create your free account
See your CIBIL score and report. Checking your own report doesn't affect your score.
Get your score plan
A counsellor reads your report with you and recommends a route — with expected costs, savings and our fee, in writing.
We go to the lenders
We negotiate closures or line up a better loan. You approve every step, and we track your report until the change shows up.
Seedhi baat
Credit repair has a bad reputation because of people who promise too much. Here's what we will and won't do.
- No one can "delete" true history. We fix your score by changing what lenders report next: closed accounts, regular payments, lower debt.
- We tell you when a route will hurt first. A settlement can stop the damage but still shows as "Settled". We'll say so before you choose.
- We are not a lender. New loans come from partner banks and NBFCs, on their terms. We help you get the best one.
- Fees in writing, on day one. No hidden charges.
Real stories
Real people, living freely again.
"I had three overdue EMIs on my personal loan. Relive got the late fees cut, I cleared the dues and foreclosed. Six months later my home loan got approved."
"Two cards and three app loans. Now it's one EMI — and finally, raat ko neend aati hai."
"They moved my loan from 19% to 13%. Same tenure, ₹[X] less every month."
Money guides, minus the jargon
Straight answers from our counselling team.
How to improve your CIBIL score: a realistic 6-month plan
What actually moves the number, month by month.
Settlement & foreclosureLoan settlement vs foreclosure: what each does to your CIBIL
Why clearing overdue EMIs and foreclosing beats settling.
Your rightsWhat recovery agents can and can't do under RBI rules
Know the rules before the next call.
Questions? We've got you.
Will checking my score on Relive lower it?
No. Checking your own report is a "soft" enquiry and doesn't affect your score. Only applications for new credit, where a lender pulls your report, count as hard enquiries.
How long before my score improves?
It depends on what's on your report. Clearing overdues and closing accounts usually shows up within one or two reporting cycles, since lenders now report to the bureaus every 15 days. Building a strong score takes several months of clean repayments on top of that.
Can you remove a "Settled" or "Written-off" tag?
Accurate history can't simply be deleted. But a lender may agree to update a settled account to "Closed" if you pay the amount they waived. We negotiate that for you and follow up until the bureau reflects it.
What do you charge?
[Describe your fee structure here.] The first consultation and score check are free. Your fee is stated in writing before you sign up for any route.
Ready to fix your score? Pehla kadam aasaan hai.
Create your free account to see your CIBIL and the routes open to you. Or talk to a counsellor, Mon–Sat, 9am–8pm. 1800-XXX-XXXX