Fix Your CIBIL Score: 90-Day Playbook
A clear, step-by-step plan to understand your credit report and fix what's holding it back, written by someone who builds lending systems.
Get the Playbook →PDF ebook · Read on any phone
Understand your credit, then act on it
- ✓How lenders actually read your CIBIL report, and which parts carry the most weight in a credit decision
- ✓How to spot errors on your report and raise a dispute with the bureau, step by step
- ✓How to manage credit card usage, EMIs and loan enquiries so they stop dragging your profile down
- ✓A week-by-week 90-day plan you can follow, with a simple checklist for each stage
- ✓How to prepare before you apply for your next loan or credit card
- ✓What lenders check beyond your score, such as income and existing EMIs, so you know why applications get rejected.
12 chapters, step by step
Tap a chapter to see what it covers.
01How CIBIL really works
What the score means, what lenders see, and common myths.
02Get your report and read it
How to get your report and read every section.
03The 5 factors that move your score
Payment history, utilisation (how much of your credit limit you use), credit mix (the types of loans and cards you have), enquiries (lenders checking your report when you apply) and credit age (how long you've had credit).
04Fix errors and disputes
How to dispute mistakes on your report, with letter and email templates.
05Weeks 1 to 4: stop the damage
Clear overdues (payments past their due date), set up auto-pay and pause new applications.
06Weeks 5 to 8: rebuild
Lower your card utilisation and deal with settled or written-off accounts (loans closed for less than the full amount owed, or marked as a loss by the lender).
07Weeks 9 to 12: prove it
Build fresh positive history and track your progress.
08What lenders see beyond the score
Income, FOIR (the share of your monthly income already going to EMIs) and how loan decisions are made.
09Applying smart
When to apply, which lenders suit which profile, and red flags to avoid.
10Special situations
No credit history, gig workers and irregular income, joint loans and guarantors, fraud, and loan app harassment.
11Top 10 mistakes
Common habits that quietly lower your score.
12FAQ
Quick answers to the questions people ask most.
Take a look inside
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Fix Your CIBIL Score
- 12 chapters, step by step
- Week-by-week 90-day action plan
- PDF ebook
Secure payment via Razorpay · Refund policy
Questions, answered
Will this guarantee a higher score or a loan approval?
No. Nobody can honestly guarantee that. Your score depends on your own credit history and on how lenders and bureaus assess it. The playbook explains how the system works and gives you a clear plan to follow. Results vary from person to person.
What format is the ebook in?
It's a PDF you can read on your phone, tablet or computer.
How do I get it after paying?
After your payment goes through, you'll be taken straight to a download page. Save the PDF to your phone right away. If you close the page or anything goes wrong, contact me with your payment ID and I'll send it again.
Is this only for CIBIL, or also Experian, Equifax and CRIF?
The playbook focuses on CIBIL, but most of the principles, like paying on time, managing utilisation and fixing errors, apply to every credit bureau in India.
Do I need to share my credit report with you?
No. You work through your own report privately. I never ask for your report, PAN or login details.
Can I get a refund?
Because it's a digital download, sales are generally final. Duplicate payments and delivery problems are always resolved. See the Refund Policy for details.
Disclaimer: Results vary. This ebook is for education only and is not financial or legal advice. No score improvement or loan approval is guaranteed.