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Credit Score

An Experian credit score app is any platform that pulls your credit report specifically from Experian, one of the four licensed credit bureaus in India, rather than TransUnion CIBIL. Several apps and platforms offer access to an Experian score, either for free or for a fee. FREED's Credit Insights is one such paid option.

By Mohit Juneja | 1 September 2026

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