PrimeCredit Consultancy

Your Partner in Financial Wellness

Navigate your credit journey with confidence. We provide expert solutions to repair your credit, manage debt, and build a secure financial future.

Explore Our Solutions

What We Handle

We specialize in resolving a wide range of complex credit report issues to restore your financial health. Our expertise covers:

Overdue Updates
"Written Off" Status
Post Write-off Settlements
"Settled" Status Disputes
Willful Default Cases
"Suit Filed" Status
Account Mismatches
Incorrect Report Updates
Online App & Data Mismatches
Customized Score Improvement Plans

How We Can Help

Credit Repair & Improvement

Identify and dispute inaccuracies on your credit report to raise your score quickly and ethically.

Loan Assistance & Recommendations

Get personalized loan recommendations and expert assistance to secure the best financing options.

Financial Education

Personalized coaching to help you understand credit, manage debt, and build a strong financial future.

Enhance Your Credit Score

We provide a comprehensive action plan to guide you in building and enhancing your credit score for stronger financial health.

Our Commitment To You

Your Experience is Our Priority

We're not just a service; we're your partner. We are committed to providing unwavering support and guidance, ensuring you feel confident and cared for every step of the way, right to the very last mile.

Personalized Guidance

You're not just a number. You get a dedicated financial expert to guide you through your entire journey with us.

Accessible Support

Questions can arise anytime. We're just a call or message away, ensuring you always have the support and clarity you need on your financial journey.

Transparent Process

No hidden steps or surprises. We provide regular, clear updates so you're always informed about your progress.

Last-Mile Assistance

Our job isn't done until your goals are met. We provide comprehensive support until the very end of the process.

Confidential & Secure

Your privacy is paramount. We use the highest security standards to protect your sensitive financial information.

Empowerment Focus

We do more than fix issues; we provide the knowledge and tools you need for sustained, long-term financial success.

Our Mission

PrimeCredit Consultancy was founded on the belief that everyone deserves a clear path to financial stability. We're a team of dedicated financial consultants with years of experience helping clients overcome credit challenges and achieve their goals. Our approach is built on transparency, trust, and a deep understanding of the financial landscape.

We work with you to create a customized plan, providing the tools and support you need to not just fix your credit, but to build a foundation for lasting financial health. Your success is our ultimate priority.

Trusted by Clients

Don't just take our word for it. Here's what our satisfied clients have to say about their journey with us.

"Working with PrimeCredit was a game-changer for me. Their team was so professional and always kept me in the loop. Seeing my credit score jump by over 100 points was incredible!"

Venu

"Honestly, I was pretty skeptical about credit repair services, but the team at PrimeCredit completely earned my trust. They were experts at handling my loan settlement and saved me a ton of money."

Sai Ram

"The coaching sessions were a real eye-opener. For the first time, I actually feel like I'm in control of my finances. I can't thank them enough for giving me a clear plan for the future."

Bhanu Chandra

Contact Us Directly

PrimeCredit Consultancy

Bengaluru Office

Phone: 8496933565

WhatsApp: 8496933565

Email: services@primecreditconsultancy.com

Address: Koramangala, 1st Block, 1 Cross Road, Bangalore - 560034, Karnataka

PrimeCredit Consultancy

Andhra Pradesh Office

Phone: 8660724749

WhatsApp: 8660724749

Email: services@primecreditconsultancy.com

Address: 2-66, Mandavali Mandal, Eluru Dist - 521345, Andhra Pradesh

Company

Terms & Conditions

FLCC Agreement

Refund Policy

Grievance Redressal / Escalation

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Your Credit Report

Detailed Credit Analysis

Understanding your credit report is the first step toward financial empowerment. We provide a comprehensive analysis that breaks down complex information into clear, actionable insights, helping you understand your financial standing and how to improve it.

What We Analyze

  • Payment History: We review your track record for on-time payments, the single most important factor in your credit score.
  • Credit Utilization: We assess how much of your available credit you're using to ensure it's within a healthy range.
  • Length of Credit History: We look at the age of your accounts to see how long you've been managing credit.
  • Credit Mix: We analyze the different types of credit you have, such as credit cards, installment loans, and mortgages.
  • New Credit Inquiries: We check for recent hard inquiries that could temporarily lower your score.
  • Public Records: We scan for bankruptcies, liens, or collections that may be impacting your report.

Our Analysis Provides

  • Actionable Insights: Clear, easy-to-understand explanations of what each part of your report means for you.
  • Error Identification: We pinpoint inaccuracies, outdated information, or fraudulent activity that could be harming your score.
  • Score Improvement Plan: A personalized, step-by-step strategy to help you improve your credit score over time.
  • Negative Item Strategy: Expert guidance on how to address and dispute negative items effectively.
  • Financial Health Snapshot: A complete overview of your creditworthiness to help you make informed financial decisions.
Terms & Conditions

Terms & Conditions

Last updated: September 19, 2025

PrimeCredit Consultancy ("us", "we", or "our") operates this website (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

1. Information Collection and Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected:

Personal Data: While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). This may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Cookies and Usage Data

Usage Data: We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol (IP) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, and other diagnostic data.

2. Use of Data

PrimeCredit Consultancy uses the collected data for various purposes:

  • To provide and maintain our Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer care and support
  • To provide analysis or valuable information so that we can improve the Service
  • To monitor the usage of the Service
  • To detect, prevent, and address technical issues

3. Transfer of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, or country where the data protection laws may differ.

If you are located outside India and choose to provide information to us, please note that we transfer the data, including Personal Data, to India and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

PrimeCredit Consultancy will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. No transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place, including the security of your data and other personal information.

4. Security of Data

The security of your data is important to us. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security. Remember that no method of transmission over the Internet or method of electronic storage is 100% secure.

5. Children's Privacy

Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us.

6. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.

7. Contact Us

If you have any questions about this Privacy Policy, please contact us through the information provided on our website's "Contact Us" page.

FLCC Agreement

FLCC Agreement

Legal Disclaimer

By engaging with our services, you authorize PrimeCredit Consultancy to:

  • Purchase one detailed Consumer Information Report (CIR) from CIBIL on your behalf.
  • Facilitate the necessary compliance and Know Your Customer (KYC) requirements of CIBIL to obtain your CIR.
  • Conduct a comprehensive review and analysis of your Credit History and Credit Score based on your CIR.
  • Identify issues related to negative credit history and offer consultation and advice on strategies to resolve them.
  • Identify discrepancies on your CIR and provide professional advice and consultation on how to resolve them.
  • Offer guidance and consultation on the specific actions required to improve your credit history and credit score.
  • Provide dedicated Credit Repair Services for accounts that are mutually agreed upon.

Service Conditions & Timelines

  • One complimentary CIR is provided with our service; the Client must specify whether it is required before the service begins or at its conclusion.
  • CIBIL allows up to two dispute IDs per report. The facilitation of these first two disputes is offered free with your membership, provided that you supply all relevant documentation before we raise the dispute.
  • If a financial institution agrees to change an account's status (e.g., from "Settled" to "Closed"), we will inform you of the applicable CIBIL masking or clearance amount after negotiating on your behalf. Payment must be made by you within the same month for this amount to be valid.
  • Financial institutions typically require 60 to 90 working days to reflect changes in their database after the date of payment.
  • CIBIL typically requires 45 to 60 days for dispute resolution after the relevant financial institutions have updated their databases.
  • The decision to accept a settlement proposal or change an account's status rests solely with the financial institution. Such decisions do not constitute a deficiency in the advisory services of PrimeCredit Consultancy.
  • Should a financial institution not adhere to its commitments or stated processing times, we will assist in escalating the issue to the corresponding ombudsman. Delays by such institutions are not considered a deficiency in our services.
  • Resolution times are dependent on the Client promptly providing all valid documents and/or funds requested by us or the financial institutions.
  • Our services are based on the information visible in the CIR. We cannot resolve issues for negative accounts not reflected in this report, and this shall not be considered a service deficiency. In such cases, the Client may need to provide a CIR from their bank, which may extend the resolution time.
  • Our "Fast Track" service prioritizes the handling of your case internally but does not guarantee expedited processing by external financial institutions or credit bureaus.
  • The Client may escalate an issue with a description if no response is received from their assigned service team member within 7 working days of an inquiry.
  • The final approval and sanctioning of any credit product is dependent on the respective bank's or financial institution's credit policy and verification process.
  • If a bureau or institution requires direct communication from your email ID, we will assist by drafting the email content for you to forward to them.

Payment & Service Duration

  • The service or plan duration is the period in which the service is active. After this duration, a new enrollment fee must be paid to continue or re-engage the service.
  • For services with part-payment options, work will commence only after the complete payment for the service has been received.
  • All part-payments must be completed within 30 days of enrollment. Failure to do so will result in the expiration of the service plan without a refund, and a new enrollment fee will be required.

Jurisdiction

  • Any legal dispute is subject to the exclusive jurisdiction of the courts in Bangalore, Karnataka.
  • This agreement applies to any person visiting the PrimeCreditConsultancy.com website and/or a Client entering into a service agreement with PrimeCredit Consultancy.
Refund Policy

Refund Policy

Our Commitment to Your Financial Health

PrimeCredit Consultancy is comprised of veteran credit experts dedicated to offering precise, effective service by promptly analyzing your credit report. We specialize in providing accurate recommendations post-analysis and are experts in managing the key parameters that define your credit profile. Our primary goal is to ensure that the guidance from our certified experts helps you build a healthier and stronger financial future.

Subscription and No-Refund Policy

The decision to subscribe to our services is entirely yours. Our expert analysis and advisory process begin immediately upon enrollment. Given the immediate commencement of this work, we maintain a strict no-cancellation and no-refund policy once a payment has been made and your subscription is confirmed.

Client Responsibilities and Acknowledgement

  • Review of Policies: By using our services, you acknowledge that you have read and understood the following pages on our website:
    • Terms and Conditions
    • Disclaimer
    • FLCC Agreement
    • About Us
  • Official Service Terms: The official terms of your service will be detailed during a compliance call or in a compliance email. Any commitment made by a staff member that contradicts this official communication is not binding. We strongly advise you not to proceed with payment if there is any discrepancy. Accepting the terms during this compliance check constitutes a binding agreement with PrimeCredit Consultancy.
  • Unauthorized Payments: You are responsible for securing your payment methods. You must ensure that children, unauthorized family members, or friends do not access your payment information to purchase services without your explicit permission.

Invoicing and Proof of Enrollment

After making a payment, it is your responsibility to demand and receive an official invoice from us. A client is only considered formally enrolled with PrimeCredit Consultancy upon holding a valid invoice for the services paid for. If you do not receive an invoice due to a technical or manual error, please contact us immediately.

Communication and Escalation

  • Follow-Up: If you do not receive follow-up calls or emails from our team due to a technical glitch or error, we recommend you proactively contact us through our official channels until you receive a proper resolution.
  • Escalation: If you do not receive a response from your assigned team member within 7 working days of an inquiry, please escalate the issue by contacting us through our official support channels, providing a full description of the matter.

Data Security and Website Use

  • Security: We are committed to keeping your personal data safe and secure. We will never disclose your sensitive financial details, such as credit card information or passwords, to any third party.
  • Website Information: The content on the PrimeCreditConsultancy.com website is for informational purposes only and does not constitute a complete description of our services or their performance. It is strictly recommended that all potential clients review our website and understand our policies thoroughly before subscribing.
Grievance Redressal

Grievance Redressal

At PrimeCredit Consultancy, we are committed to providing excellent service and ensuring your concerns are addressed promptly and transparently. This Grievance Redressal Policy outlines the structured process for raising and resolving any issues you may encounter. Our goal is to ensure your complete satisfaction and trust in our services.

Customer Support Contacts

For any initial queries, complaints, or service issues, please contact our support team. We aim to resolve all issues at the first point of contact.

Goush

  • Contact: 8496933565
  • Languages: Hindi, Tamil, Kannada

Kumar

Resolution Time: We strive to resolve all queries within 3 working days.

Operating Hours

  • Monday to Friday
  • 09:30 AM to 6:30 PM (IST)