This Disclosure provides essential information regarding the role, authority, and services provided by Indokona Credit Doctor.
Indokona Credit Doctor acts strictly as a professional guidance platform. We do not "clean" credit scores; instead, we provide a step-by-step roadmap for users to resolve their own credit issues. We empower users with knowledge and automated tools to navigate the complex dispute process independently.
Our advanced AI-driven system is designed to analyze your Credit Information Report (CIR) for potential errors, DPD (Days Past Due) mismatches, and incorrect loan entries. Based on this analysis, the system prepares RBI-compliant dispute letters and documentation as per the Credit Information Companies (Regulation) Act, 2005 (CICRA).
Our AI prepares everything ready-for-submission, helping the user save time and follow the correct legal procedure as defined by the Government of India.
The authority to update or correct a credit record lies only with the Credit Bureaus (CICs) and the respective Banks/NBFCs (Lending Institutions) after they complete their internal verification. Our system helps you present your case professionally to these authorities, but we do not interfere with their final decision-making process.
Indokona Credit Doctor provides the tools and the process, but the outcome of a dispute depends entirely on the accuracy of the documents provided and the bank's verification. We assist in fixing errors, not in deleting valid negative information that is factually correct.
By using our services, you understand that you are the primary person raising the dispute. Indokona Credit Doctor provides the AI-generated paperwork and the "How-To" guide, but the final submission and follow-up are the responsibility of the user.