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Terms and CONDITIONS

COVERED SERVICES

You are signing up to receive the following services:

  1. To purchase (on your behalf) one detailed CIBIL report known as Consumer Information Report (CIR).
  2. To facilitate the compliance and KYC requirements of CIBIL in order to obtain your CIR.
  3. To review and analyses your Credit History and Credit Score as per your CIR.
  4. To identify issues of bad credit history and suggest / advise / offer consultation to resolve them.
  5. To identify discrepancies on the CIR and suggest / advise / offer consultation to resolve them.
  6. To suggest / advise / offer consultation on the steps and actions to take to improve credit history and credit score.
  7. Credit Repair Services for mutually agreed accounts of concern.
  8. One free CIR offered to Client, Client to specify whether he wants it before the service or at the end of the service. Rs. 1,000/- charged for each additional CIR including follow-up service activities.
  9. Up to two CIBIL Dispute IDs are allowed by CIBIL per CIBIL Report purchased. Only the first two dispute IDs are offered free with membership. Relevant documentation to be supplied by client before raising disputes so that we can raise them in the first instance itself. Delays in submitting your documentation would require to raise fresh dispute IDs and subsequent dispute IDs incur a Service fee of Rs. 500/- per dispute ID.
  10. In the event of the situation where Financial Institution/Banks accept to change the status from "Settled/POST(WO)Settled/Written Off to " Closed" or "Null" status depending on the Outstanding and Principal Usage made by the client. Once the amount is finalized the payment has to be made by the client.
  11. Financial Institutions typically take 45-60 working days for each account of concern after the date of payment made to them for changes to be reflected in their database.
  12. CIBIL typically takes 30-45 days for dispute resolution of valid issues after banks have made changes to their database.
  13. It is the discretion of the Financial Institution/Banks to accept our proposal for changing the status. Banks may also refuse to re-open any settled accounts. Any such actions by the banks should/cannot be considered as deficiency in our services. Our services are mainly to advise and suggest the right actions to be taken to improve your Credit standing or Rating.
  14. If the financial institutions do not adhere to their stated commitments / processing time, we will help escalate the issue to the corresponding ombudsman. Delays by Financial instititutions cannot be considered as deficiency in Credittechno Services.
  15. Resolution time is also dependent on Client providing valid documents / funds requested by financial institutions needed by us to resolve the issue.
  16. Client Escalation with description of issue to info@credittechno.com if no response received from assigned service team member within 7 working days per request.
  17. Credit approval and sanctioning is dependent on the respective bank and financial institutions' credit policy and document verification.
  18. Fresh enrollment means enrollment fee valid for only Six Month from the date of registration need be paid again for the same type of renew enrolment on Revisit. However, enrollment Fee is chargeable for every year Current service request as communicated to Client.
  19. To coordinate and negotiate on your behalf with the Financial Institutions, if required
  20. To advise you on the type of documentation that you may be called upon by the Financial Institutions to execute
  21. To work with you over a period as agreed with you through Negotiation & Settlement Program to help you streamline, manage and minimize your Credit exposure.
  22. Credit Repair Services for agreed accounts of concern
  23. Any dispute is subject to the jurisdiction of Courts in Bangalore only.

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