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Indian person reviewing loan app notifications on phone

Loan Harassment

Online Loan Harassment: When It's an App, Not a Bank

Online loan harassment occurs when a loan app's recovery process crosses the line, leaving you with repeated threatening calls, messages to people in your contacts, or attempts to shame you into paying. If the app works with an RBI-regulated bank or NBFC, the same core recovery protections apply. RBI-regulated lending apps are not permitted to access your contact list, call logs, files, media, or telephony functions.

By Mohit Juneja | 1 September 2026

loan waive off and write off image

Debt Management

Loan Waive Off vs Loan Write Off - Know the Difference

Loan waive-off or Loan write-off? Learn how loan waive-off is different from loan write-off, How does it impact your credit score.

By FREED India | 1 September 2026

reasons your credit score is not increasing

Debt Management

6 Reasons Why Your Credit Score Is Not Increasing

Paying on time every month but your CIBIL score is still stuck? You're not alone - and the reason is probably not what you think. Here are the 6 hidden reasons holding your score back and exactly what to do about each one.

By FREED India | 1 September 2026