Bring your credit
back to life.
Upload your credit report from CIBIL, Experian, CRIF, or Equifax — get an AI-powered diagnosis, a 90-day improvement plan, and lender-ready emails in seconds.
Credit Score
via CIBIL · live
Good · 40 points to Excellent
Util.
42%
On-time
96%
Enq.
1
Works with all 4 RBI-recognised bureaus
CIBIL
TransUnion
Experian
India
CRIF Highmark
RBI-licensed
Equifax
India
The score ladder
Every 50-point jump unlocks new lenders.
Here's exactly what each CIBIL band means in India — and where your score sits today.
Poor
<650
Step 1
Where most rejections happen
- Most lenders reject
- NBFCs only, at 24%+ interest
Fair
650-699
Step 2
Eligible — but expensive
- Personal loans at 16-20%
- Most cards declined
Good
700-749
Step 3
Where you should aim
- Cards approved
- Home loan at 9.5-10%
Excellent
750+
Step 4
Lender's dream borrower
- Best rates, pre-approved offers
- Higher limits, faster approvals
Credit Profile
NEEDS ATTENTION
•••• •••• •••• 7890
CIBIL
Before vs. after
Watch your credit profile heal in real time.
Our AI shows you exactly which issues are dragging your score down — and the precise actions that will lift it. Most users see meaningful movement in 90 days.
Today
- Utilisation at 78% on HDFC card
- 1 late payment (IDFC personal loan)
- 5 hard enquiries in 60 days
After plan
- Utilisation reduced to 22%
- Late payment goodwill letter sent
- No new enquiries for 90 days
How it works
Three steps to a healthier credit score.
No paperwork. No bureau calls. No hard enquiries. Just upload, analyse, act.
Upload your report
Drop in a PDF from CIBIL, Experian, CRIF, or Equifax — get yours free from each bureau's portal. Encrypted at rest, deletable anytime.
AI reads every line
Our engine extracts every account, enquiry, and payment record across all 4 bureaus — and explains what's hurting your score in plain English.
Get your plan
A prioritised 30/60/90-day plan with estimated point impact for each action — plus lender-ready emails for disputes, settlements, and NOCs.
Everything you get
Built for every credit decision you'll ever make.
From understanding your report to writing lenders — CreditDoctor handles the whole cycle.
Multi-bureau analysis
Upload reports from CIBIL, Experian, CRIF, or Equifax. Get a unified picture across all 4 — no more conflicting numbers.
AI Lender Email Composer
Auto-detect write-offs, settlements, and overdues. One-click drafts for goodwill letters, NOC requests, and closure confirmations.
Personalised 90-day plan
A prioritised roadmap with estimated point impact for every action — utilisation, on-time payments, enquiries, and disputes.
Score Simulator
See how paying off a card, closing a loan, or missing an EMI moves your score — before you commit.
AI credit assistant
Ask anything about your report. The assistant grounds every answer in your specific accounts, balances, and history.
Smart alerts
EMI reminders, utilisation spikes, hard enquiries, score drops — only the alerts that actually move the needle.
Family profiles
Track reports for parents, partners, and clients in one place. Subject-scoped chat so the AI never mixes people up.
EMI & eligibility
Find safe EMI ranges and approval probability for personal, home, and car loans — before you trigger a hard enquiry.
DPDP-compliant privacy
Bank-grade encryption. Field-level PII protection. One-click data deletion. We never pull your bureau report — you upload.
Member stories
Watch the scores climb. Real point gains, real approvals.
A 2019 write-off I thought would haunt me forever — CreditDoctor drafted the exact goodwill letter and it was settled in weeks.
Start
648
Now
762
Rohit Sharma
Software engineer · Bengaluru
My utilisation was at 84% without me realising. CreditDoctor told me which card to pre-pay and by how much. Home loan pre-approved.
Start
681
Now
779
Priya Nair
Product designer · Mumbai
Followed the 30/60/90-day plan exactly. Every action had a point impact next to it, so I knew it was working.
Start
590
Now
724
Aditya Verma
Architect · Pune
The discrepancy finder caught two accounts reported wrong across bureaus. Disputed, fixed, score climbed.
Start
705
Now
791
Sneha Reddy
Chartered accountant · Hyderabad
I finally understood what was dragging my score down. Two old EMIs and one enquiry spike — all explained in plain Hindi-English.
Start
622
Now
748
Karthik Iyer
Doctor · Chennai
The AI assistant answered every 'why' with my real numbers. No generic tips — it knew my exact accounts.
Start
668
Now
770
Ananya Gupta
Marketing lead · Delhi
Started in the 550s after a rough year. CreditDoctor's plan was patient and realistic — no false promises, just steady gains.
Start
558
Now
712
Vikram Singh
Business owner · Jaipur
Pre-paid one card before the statement date like it suggested and watched the next refresh jump. Simple, specific advice.
Start
693
Now
781
Meera Joshi
Teacher · Nagpur
Compared all four bureaus on Pro and found my CIBIL was 40 points behind for no reason. Raised a dispute and won.
Start
640
Now
758
Arjun Menon
Data analyst · Kochi
The lender email templates got me a NOC I'd been chasing for months. Settled account finally showed closed.
Start
612
Now
736
Pooja Patel
Pharmacist · Ahmedabad
Loved that CreditDoctor never pulled my report — I uploaded my own, zero hard enquiries. Clear, honest, and it actually works.
Start
675
Now
768
Rahul Desai
Sales manager · Surat
CreditDoctor's score simulator showed me the gain before I did anything. I followed it step by step and hit my target early.
Start
656
Now
774
Divya Krishnan
UX researcher · Bengaluru
A 2019 write-off I thought would haunt me forever — CreditDoctor drafted the exact goodwill letter and it was settled in weeks.
Start
648
Now
762
Rohit Sharma
Software engineer · Bengaluru
My utilisation was at 84% without me realising. CreditDoctor told me which card to pre-pay and by how much. Home loan pre-approved.
Start
681
Now
779
Priya Nair
Product designer · Mumbai
Followed the 30/60/90-day plan exactly. Every action had a point impact next to it, so I knew it was working.
Start
590
Now
724
Aditya Verma
Architect · Pune
The discrepancy finder caught two accounts reported wrong across bureaus. Disputed, fixed, score climbed.
Start
705
Now
791
Sneha Reddy
Chartered accountant · Hyderabad
I finally understood what was dragging my score down. Two old EMIs and one enquiry spike — all explained in plain Hindi-English.
Start
622
Now
748
Karthik Iyer
Doctor · Chennai
The AI assistant answered every 'why' with my real numbers. No generic tips — it knew my exact accounts.
Start
668
Now
770
Ananya Gupta
Marketing lead · Delhi
Started in the 550s after a rough year. CreditDoctor's plan was patient and realistic — no false promises, just steady gains.
Start
558
Now
712
Vikram Singh
Business owner · Jaipur
Pre-paid one card before the statement date like it suggested and watched the next refresh jump. Simple, specific advice.
Start
693
Now
781
Meera Joshi
Teacher · Nagpur
Compared all four bureaus on Pro and found my CIBIL was 40 points behind for no reason. Raised a dispute and won.
Start
640
Now
758
Arjun Menon
Data analyst · Kochi
The lender email templates got me a NOC I'd been chasing for months. Settled account finally showed closed.
Start
612
Now
736
Pooja Patel
Pharmacist · Ahmedabad
Loved that CreditDoctor never pulled my report — I uploaded my own, zero hard enquiries. Clear, honest, and it actually works.
Start
675
Now
768
Rahul Desai
Sales manager · Surat
CreditDoctor's score simulator showed me the gain before I did anything. I followed it step by step and hit my target early.
Start
656
Now
774
Divya Krishnan
UX researcher · Bengaluru
Pricing
Simple, transparent pricing.
Start free. Upgrade when you're ready to take action on your score.
Free
Understand your credit basics — your own report.
- Your own report (latest kept automatically)
- Score, utilisation & on-time summary
- 5 AI assistant questions / month
- EMI calculator
Premium
Everything you need to improve your own score.
- Full analysis — every issue & recommendation
- 90-day personalised improvement plan
- Loan eligibility & credit score simulator
- Smart alerts & reminders
- Score-trend history
- AI credit assistant — 100 questions / month
Pro
For families & advisors tracking more than one person.
- Everything in Premium
- Unlimited AI credit assistant
- Upload reports for family & clients
- Multi-bureau comparison (CIBIL + Experian + more)
- AI lender emails — write-offs, NOCs & closures
- Cross-bureau discrepancy finder
- PDF export & sharing
- Priority support
Common questions