Legal
Disclaimer
Important information about our independence, the limits of our services and our educational content.
Last updated: 1 November 2026
This policy is pending final review and the addition of our registered business details.
1. Independent consultancy
Improve Credit Score is an independent credit consultancy. We are not affiliated with, endorsed by, or acting on behalf of TransUnion CIBIL, Experian, Equifax, CRIF High Mark, any bank or lender, or the Reserve Bank of India. "CIBIL" is a registered trademark of its owner and is used here only to describe the subject matter.
2. No guarantees
We do not guarantee any credit score outcome, improvement amount or timeline, or approval of any loan or credit product. Only inaccurate information can be corrected through the bureau dispute process.
3. Not financial advice
Content on this website is general educational information and should not be relied upon as financial, legal or tax advice for your specific situation.
4. Free options available to you
You are entitled to one free full credit report every calendar year from each credit bureau, and you can raise disputes directly with credit bureaus free of charge. Our paid services provide expert analysis, preparation and follow-through. Using them is optional.
5. Illustrations and tools
Score visuals on this website are illustrations only. The Credit Health Check is a self-assessment; it does not access your credit report or generate a bureau score.
6. Accuracy
We aim to keep information accurate and up to date, but regulations and bureau practices change. Check official sources (rbi.org.in and bureau websites) for the latest rules.