Correct What’s Wrong. Improve What’s Possible.
Your credit report may contain incorrect loan entries, disputed accounts, overdue balances, or other issues affecting your creditworthiness. Clean EMI helps you identify these issues and take informed steps toward a healthier credit profile.
Upload the PDF you downloaded from CIBIL, Experian, Equifax or CRIF High Mark. We detect the bureau automatically, flag any errors, and explain what’s pulling your score down — free of charge.
After upload, your accounts with overdue, settled, written-off, NPA, SMA or late-payment problems appear right below — no redirect.
This runs in the background. Your problem accounts will appear right here — you don’t need to leave this page.
Enter the reference number you received after payment and the mobile number you gave us. Or just ask our chatbot — type your reference number and mobile number in the chat.
One service, four parts — from finding the problem to following it through.
We read your report from all four bureaus and flag entries that look wrong or need a closer look.
We help you challenge inaccurate or unverifiable loan and account entries with the bureau and the lender.
You get practical, personal recommendations: what to pay down, what to leave alone, what to do next.
We follow each dispute and each correction with you, so you always know where things stand.
Start a live chat on WhatsApp or book a call appointment. It is free to talk to us first.
We go through your report with you and tell you honestly what can and cannot be corrected.
If you want to go ahead, we share a QR payment link for the service. Nothing is charged before this.
We help you clear the inaccurate entries and follow a plan to improve your score.
We do the best we can, but we do not give any guarantee. Whether an entry is corrected, and whether your score improves, is decided by the credit bureau and the lender, not by us.
Start a live chat or book a call. We first understand your problem. Only if you decide to go ahead do we share the QR payment link.
Not sure what is on your report? Run the free Credit Report Analyzer first.
No. We do our best to correct wrong entries and guide you on improving your score, but we do not guarantee any score, any number of points, any timeline or any result. Bureaus and lenders take their own decisions.
No. Only entries that are inaccurate or cannot be verified can be disputed. Correct history stays on your report. For genuine issues we can still guide you on settling or closing the account the right way.
Common ones are a loan that is not yours, a closed loan still shown as active, wrong overdue or DPD months, a wrong outstanding balance, duplicate accounts and wrong personal details. A report check shows which of these apply to you.
Your latest credit report (PDF) and correct personal and loan details: name, PAN, mobile number and, where you have them, loan closure letters, NOCs, statements and payment proofs. The more accurate your details, the better we can help.
First you chat or speak with us and we understand your case. Only if you decide to go ahead, we share a QR link to pay for the service. We then start the dispute work.
It depends on the bureau and the lender, and on how quickly the right documents are available. We cannot promise a date, but we keep you updated at each step.
Yes. You can download your free report from each bureau and run our free Credit Report Analyzer on the home page before you decide anything.
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