Arjun

Arjun is GroScore's Personal Credit Coach. Arjun has analysed 1 lakh+ credit reports and helped 50,000+ users understand and improve their credit scores.

Credit Report Disputes

RBI Ombudsman Complaint: How to Escalate a Bank or CIBIL Issue

Your bank ignored you, or a bureau left a wrong entry on your report. Here's when the RBI's free complaint route opens, how to file, and what it can and can't fix.

Low Credit Score

Written Off in CIBIL: Meaning and How to Fix It

A write-off is the lender's bookkeeping, not your pardon. Here's what the entry means, why recovery continues, and how to move it to a better status.

Instant Loans

Personal Loan Pre Approval: What It Means and the Risks

A pre-approved offer is an invitation, not a sanction. Here's what the lender already knows, what it checks again, and how to spot a fake one.

Credit Cards

How to Close Credit Card Without Hurting Your CIBIL Score

One request and seven working days close the card. A little planning first keeps your credit score safe. Here's how to do both.

Loans & CIBIL Score

Debt Consolidation in India: Does It Improve Your Credit Score?

One loan to clear several debts can help your score or quietly hurt it. Here's how it plays out, what it costs and what to avoid.

Instant Loans

Instant Loan for Salaried and Self-Employed: Eligibility Guide

Same credit score, different paperwork. Here's how lenders judge salaried, self-employed and retired applicants, and how to show your income the way they read it.

Instant Loans

Instant Student Loan: Options for Students in India

Most students can't get a big loan in minutes, and that's not bad news. Here's what you can borrow, what it costs, and the safer routes most students miss.

Instant Loans

Instant Loan 50000 to 5 Lakh: Eligibility and CIBIL Needed

A bigger loan isn't just a bigger number. Here's what lenders check at ₹50,000, ₹1 lakh, ₹2 lakh and ₹5 lakh, and how to work out what you can afford.

Instant Loans

Instant Short Term Loans in India: Costs, Risks, Alternatives

A 30-day loan looks cheap in rupees and expensive as a yearly rate. Here's how to judge one, and what to try first.

Instant Loans

Instant Loan Without Documents: What KYC You Still Need

Paperless isn't document-free. Here's the KYC every genuine lender still needs, the routes with the least paperwork, and why 'no KYC' means scam.

Instant Loans

Aadhar Card Loan: Can You Get a Personal Loan on Aadhaar?

Aadhaar proves who you are. It doesn't prove you can repay. Here's what an Aadhaar loan really involves, and where the scams hide.

Credit Reports & Bureaus

Commercial CIBIL Report: Company Credit Score (CMR) Explained

Your business has a credit file too. Here's what the commercial CIBIL report and CMR rank show, and how your own score fits in.