Every credit decision, one workspace.
From your first analysis to your first pre-approved home loan — CreditDoctor is the AI-powered partner that handles every step of the journey.
Featured services
The big four.
Multi-Bureau Credit Analysis
The full diagnostic. Upload reports from any of the 4 RBI-licensed bureaus and get a deep AI-led breakdown of every issue dragging your score.
- Reads CIBIL, Experian, CRIF & Equifax PDFs end-to-end
- Identifies write-offs, settlements, overdue accounts & disputes
- Per-account payment history with max DPD
- Risk flags: utilisation spikes, recent enquiries, concentration
- Plain-English explanation of every red flag
- Re-runs free on every new upload
AI Lender Email Composer
Find every account hurting your score and draft the lender email that fixes it — goodwill letters, NOC requests, settlements, dispute notices.
- Auto-detects opportunities across all your accounts
- Goodwill letters for late payments
- NOC requests for settled accounts
- Closure confirmations for ₹0-balance cards
- Dispute notices for incorrect entries
- Editable, signed with your name & account no.
Personalised 90-Day Improvement Plan
A prioritised action plan grouped by horizon — what to do today, this month, this quarter — with estimated point impact for each step.
- 30 / 60 / 90-day prioritised actions
- Estimated point impact per recommendation
- Score projection at the end of each horizon
- Plan refreshes every time you upload a new report
- Device-local progress checkboxes
- Grounded in your specific accounts — never generic
Family & Client Profiles
Track reports for parents, partner, children, or clients in one workspace. Each profile is fully isolated — the AI never mixes people up.
- Unlimited profiles per account
- Per-profile reports, analysis & chat
- Profile-scoped assistant (no cross-bleed)
- Relationship-aware: SELF / FAMILY / CLIENT
- Authorization attestation for non-self profiles
- Multi-bureau retention per profile
Also included
Everything else you need.
Score Simulator
Model the score impact of paying down a card, closing a loan, or missing an EMI — before you act.
- Sliders for utilisation, payment history, enquiries
- Real-time score recalculation
- Seeded from your latest report — not generic
- Compare scenarios side-by-side
AI Credit Assistant
Conversational AI grounded in your specific report. Ask anything — get answers in plain English.
- References your real accounts & balances
- Profile-scoped — no mixing of people
- Streaming responses
- Unlimited messages on paid plans
EMI & Loan Eligibility
Find safe EMI ranges, eligible loan amounts, and approval probability — without triggering a hard enquiry.
- EMI calculator with prepayment scenarios
- FOIR-based eligibility check
- Personal / home / car loan presets
- Free, no signup required
Smart Alerts
Real-time alerts that actually matter — score drops, utilisation spikes, new enquiries, suspicious accounts.
- Score-movement alerts (RED/AMBER)
- Utilisation threshold breaches
- Hard-enquiry detection
- Auto-rebuilt every analysis
DPDP-Compliant Privacy
Bank-grade encryption, field-level PII protection, one-click data deletion — built for India's new data law.
- Fernet-encrypted PII at rest
- DPDP-compliant consent flow
- Self-service report DELETE
- Full DPDP erasure workflow
Cross-Bureau Discrepancy Finder
Upload reports from 2 or more bureaus and we surface every disagreement — different balances, missing accounts, status mismatches — that lenders use against you.
- Matches the same loan across CIBIL / Experian / CRIF / Equifax
- Flags balance & status mismatches
- Surfaces accounts missing from one bureau
- One-click dispute draft for each finding
How it works
Four steps. Every service.
01
Upload
Drop in a PDF from any of the 4 bureaus.
02
AI analyses
Every account, enquiry & DPD line read by the AI.
03
Get your plan
Prioritised actions with estimated point impact.
04
Track & improve
Re-upload monthly. Watch your score climb.