Rebuilding Your Credit Score After Debt Settlement with

A One-Time Settlement (OTS) is a formal deal with your bank. You pay a smaller lump sum to clear your loan. CredSettle speaks with your bank to get large waivers under RBI rules.

Yes, debt settlement is legal in India. CredSettle follows RBI rules to settle bank loans. Our legal team protects your rights at every step.

CredSettle gives you full legal support to stop recovery agent harassment. We send legal notices to banks. We file formal complaints with RBI and police if agents break rules.

A settled loan shows as Settled on your CIBIL report. This drops your credit score for a short time. However, it clears unpaid dues and stops legal risk. You can rebuild your score once you are debt-free.

Yes, you can settle credit card debt. We speak with card issuers to lower unpaid balances. Our clients save up to 50% on total dues.

Most loan settlements take 3 to 6 months. Timelines depend on your bank and dues. We work fast to get your debt closed.

We charge a clear fee only when we secure your settlement. We do not charge hidden fees. Our terms are shared upfront before you start.

If a bank says no at first, our legal team steps in. We show proof of your hardship. We use RBI norms to bring the bank back to talks.

We help with unsecured loans like personal loans and credit cards. For secured loans, our legal team can guide you on loan restructuring.

Yes, your data is safe with us. We use encrypted systems to store files. We never share your data without your consent.