India's specialist credit-error advisory
We audit your reports across all four credit bureaus, dispute every inaccuracy through official channels, and restore your creditworthiness — so lenders finally say yes.
Free audit · No obligation · Typical resolution in 45–60 days
Source: TransUnion CIBIL Annual Report 2024 & RBI Financial Inclusion Data
The Problem
India's credit records are riddled with clerical errors, duplicate accounts, and outdated information. These inaccuracies quietly block home loans, business credit, and personal finance — often for people who did nothing wrong.
A strong credit score is the entry ticket to India's best financial products.
Borrow ₹25–50 lakhs at preferential interest rates.
Faster approvals with higher credit limits.
Fuel your business growth with ready capital.
Save lakhs over your loan tenure with a high score.
Finance your car in as little as 48 hours.
Pass tenant and embassy credit screenings without surprises.
Client Results
Recent examples of errors we found and corrected. Names abbreviated for privacy.
Rahul S. · New Delhi
The problem: 4 duplicate credit-card entries from a bank merger, uncleared for 3 years.
Our fix: Multi-bureau dispute coordinated with the bank's grievance cell to consolidate records.
Sumit V. · Mumbai
The problem: An unpaid loan belonging to someone with a similar name was reflecting on his CIBIL.
Our fix: Formal escalation under Section 18 of the CIC Act with KYC-based identity verification.
Priya M. · Bengaluru
The problem: A fully repaid card marked “Settled” instead of “Closed” was blocking all loan eligibility.
Our fix: Negotiated a zero-balance closure update and a fresh NOC for a clean “Closed” status.
Ananya K. · Chandigarh
The problem: A co-borrowed loan was misattributed entirely to her file during a bureau data merge.
Our fix: Pinpointed the merge flaw and filed corrective disputes with ownership documentation.
Vikram R. · Hyderabad
The problem: Zero debt, yet a score stuck at 645 — a mixed-file error blending his record with another consumer's.
Our fix: File separation request with PAN-based verification across all four bureaus.
Suresh P. · Jaipur
The problem: A contested vendor payment was reported as a wilful default, freezing his business credit.
Our fix: Documented the resolution, filed corrections with lender and bureaus, cleared the flag.
Results shown are individual cases; outcomes depend on the errors present in your report.
About Us
We believe no Indian should be denied credit because of someone else's clerical error.
To make every Indian's credit record accurate — by finding bureau errors and getting them corrected through official, legal channels.
An India where creditworthiness reflects real financial behaviour, not data-entry mistakes — and where every household knows how to read its own report.
Transparency in pricing, legality in method, and persistence in follow-up. We never promise scores we can't deliver — we promise process.
“I started Forty Two Capital after watching good borrowers get rejected over errors they never made. Nobody's financial future should hinge on a data-entry mistake.”
Murali Krishna R
Founder, Forty Two Capital
Credit repair in India has a trust problem. We built Forty Two Capital to be the exception.
Services
Six specialised services, one goal: a clean, accurate, loan-ready credit record.
A line-by-line review of your reports from all four bureaus — CIBIL, Experian, Equifax and CRIF — to surface every inaccuracy affecting your score.
Start My Free AuditProfessionally drafted disputes submitted to bureaus and lenders, with structured escalation when responses fall short.
Get StartedBeyond error correction — a structured plan to build your score through better credit behaviour, tracked monthly.
Get StartedApplying for a home, car or business loan? We prepare your profile so you apply once — and get approved.
Get StartedAccounts you never opened? Mixed files with someone else's defaults? We untangle identity-level errors at the bureau.
Get StartedErrors recur. Our monitoring keeps watch after restoration so new inaccuracies are caught before they cost you.
Get StartedOverlapping EMIs and high-interest debt quietly destroy both cash flow and credit. We build a repayment structure that protects your score.
Get StartedCards are the fastest score-builders — and the fastest score-killers. We show you how to use them so the bureaus reward you.
Get StartedHow It Works
Data-driven, fully documented, and pursued until resolution. Most clients see results in 45–60 days.
Share your credit reports from all four bureaus — CIBIL, Experian, Equifax and CRIF.
Our analysts review every account line to identify misreported obligations and anomalies.
Professionally drafted dispute letters, tailored and submitted for each identified error.
Bureaus investigate within the RBI-mandated 30-day resolution window.
We monitor every response and escalate non-compliant cases on your behalf.
Corrected data is verified and your improved credit standing is confirmed.
Loan Readiness
Once your report is clean, we prepare your profile so you apply once — and get approved on good terms.
Unsecured, so your score does the heavy lifting. Clean reports mean better rates and higher sanctioned amounts.
We prepare: report cleanup, utilisation plan, enquiry timingThe biggest loan of your life — where a 50-point score difference can mean lakhs in interest over the tenure.
We prepare: full 4-bureau cleanup, documentation checklist, eligibility mappingLenders check the promoter's personal score alongside business financials. Both need to be clean.
We prepare: promoter report repair, commercial enquiry auditSecured by your property, but score still drives the rate and the loan-to-value you're offered.
We prepare: report accuracy check, closure/NOC verificationScore thresholds are indicative and vary by lender. We are an advisory — we prepare your profile; the lending decision is always the bank's.
Not sure your report even has errors? That's exactly what the audit is for — and it's free.
Check My Report for FreePricing
Structured plans matched to the complexity of your credit profile. Every plan starts with a free audit.
For 1–2 bureau discrepancies and a moderate score impact. Best for fixing a single stubborn error before a planned application.
For multiple bureau errors or a prior loan rejection. Built to make you loan-ready across every bureau.
For identity compromise, severe score damage, or urgent loan needs. End-to-end recovery with priority handling.
Not sure which plan fits? Request the free audit — we'll recommend the right one based on what we find.
In their own words, after working with Forty Two Capital.
Credit Score 101
Your CIBIL score is a 3-digit summary of your credit history, between 300 and 900. Here's how it works — and how it improves.
Most lenders price their best rates at 750+. Below 650, approvals get manual — and expensive.
Approximate weightings; exact models vary by bureau.
Knowledge Hub
Free guides to help you read, question and protect your credit record.
Step-by-step: removing multiple loan entries from your CIBIL profile using official dispute channels.
Read article KnowledgeThe different scoring models of India's bureaus — and which one your bank actually checks.
Read article CriticalWhy a 'Settled' status is as damaging as a default for most lenders — and how to convert it to 'Closed'.
Read article StrategyHow too many applications in a short period triggers a 'credit-hungry' flag on your report.
Read articleOur free guide, The Ultimate Guide to Reading Your Credit Report, shows you how to spot errors yourself.
FAQ
Yes. Every Indian citizen has a statutory right under the Credit Information Companies (Regulation) Act, 2005 to dispute inaccurate information in their credit report. Forty Two Capital facilitates this process professionally — filing dispute requests directly with the credit bureaus and lenders on your behalf through official channels.
No. Filing a dispute is a statutory right and is not recorded as a negative event on your report. Disputes are not credit enquiries, so they have no direct impact on your score — they can only lead to corrections.
Credit bureaus are mandated by the RBI to resolve disputes within 30 days of receiving a formal complaint. In our experience, straightforward errors are resolved within 30–45 days. Complex cases involving multiple discrepancies or identity fraud may require 60–90 days. We monitor every case actively and keep you informed at every stage.
You can dispute errors yourself — but we audit all 4 bureaus simultaneously with a structured framework that catches systemic errors most people miss, prepare professionally drafted documentation, and sustain the follow-up and escalation most individuals find overwhelming. We persist until the error is corrected.
Your credit reports and personal information are treated with strict confidentiality, are never shared with third-party marketing firms, and you can request data deletion at any point.
No legitimate firm can guarantee a specific increase — final score calculation rests with the bureaus. What we guarantee is a complete audit identifying every inaccuracy and a systematic action plan to address them. Most clients see meaningful improvement within 30–60 days once errors are removed.
Scores below 500 often have the most room for improvement, frequently due to severe misreporting or mixed files. We specialise in complex recovery cases and have restored credit standing for clients starting from very low baselines.
A credit audit is the diagnostic phase — identifying discrepancies across all 4 bureaus. Credit repair (restoration) is the execution phase — filing formal disputes and escalating until they're resolved. Forty Two Capital provides both: a comprehensive audit followed by dedicated restoration.
Then we tell you exactly that — at no charge. The audit is genuinely free, and we won't sell you a dispute plan your report doesn't need. If your score is low for behavioural reasons rather than errors, we'll point you to what would actually help instead.
No. Our pricing covers the entire audit and dispute lifecycle for your chosen plan. There are no surprise fees for additional dispute letters or follow-ups within your plan's scope.
Free Audit
Share your details and our specialists will run a complimentary audit of your credit profile.
We'll identify exactly what stands between you and loan eligibility — before you pay anything.
