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Debt Management

Debt management services help borrowers organise and repay existing debts through a structured plan. Depending on the provider and arrangement, this may involve negotiating repayment terms, managing multiple accounts or consolidating payments into a simpler repayment structure. They organise and reduce the cost of repayment, they don't erase your principal or guarantee an improved credit score overnight.

By Mohit Juneja | 21 August 2026

Personal Finance

Mental harassment is not simply a label for an unpleasant recovery call. Depending on the conduct and the forum involved, borrowers may be able to seek redress for harassment, mental anguish or loss caused by improper recovery practices. It covers a pattern of conduct, repeated abusive calls, threats, or contact with your family, designed to cause psychological distress beyond the legitimate purpose of collecting a debt. It comes with a real compensation remedy, not just a complaint.

By Mohit Juneja | 21 August 2026

CIBIL Score

There is no single CIBIL score that guarantees the best loan terms. A score of 750 or above is generally considered strong, but the score that gets you the best rate or approval depends on the lender, loan product and your overall financial profile. Above it, most banks already treat you as top-tier, chasing higher than that has very little practical payoff.

By Mohit Juneja | 21 August 2026