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Credit Score

Removing a loan account from CIBIL is possible only in specific situations, mainly when the entry is genuinely wrong, duplicated, or still shown as active after being closed. A correctly reported settled or written-off account cannot be removed early; it stays for up to 7 years by design.

By Mohit Juneja | 1 September 2026

Loan Harassment

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

Debt Management

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