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Debt Management

How to Remove NPA from CIBIL Report: A Step-by-Step Guide for Indians

Your loan got tagged as NPA (Non-Performing Asset). Banks are rejecting every new application you submit. Your CIBIL score crashed by a few hundred points. And every helpline person you've spoken to gives you a different answer. Here's what NPA actually means, whether it can be removed, and the realistic path to a clean credit report.

By FREED India | 5 June 2026

Is It Possible to Try DIY Debt Relief?

Debt Management

Is It Possible to Try DIY Debt Relief?

Yes, in the right situations. DIY debt relief works when the numbers allow it. Here is exactly when it does, what it involves, and when professional help produces meaningfully better outcomes.

By FREED India | 5 June 2026

Is My Credit Card Debt Lowering My Credit Score?

Debt Management

Is My Credit Card Debt Lowering My Credit Score?

Yes, it almost certainly is. Credit card debt affects your CIBIL score through two separate mechanisms simultaneously. Understanding exactly how, and what to do about it, is what this guide covers.

By FREED India | 5 June 2026