India's AI-powered credit repair platform

Your Path to Better Credit

CoinPath fixes CIBIL errors and rebuilds your score.

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Sample CoinPath journey
560 Needs work
300900
From 560 to 752 in 5 months with a CoinPath action plan — dispute resolution, credit mix correction, and monthly tracking.
Why this, why now

A low score is quietly costing you money every month.

3-4×

Higher interest rates

Borrowers below 650 routinely pay several percentage points more on loans than those above 750 — on the same loan amount.

1 in 3

Applications rejected

A large share of loan and credit card applications in India are declined due to score or report issues — many of them fixable.

Errors

Hiding in your report

Wrong account status, duplicate entries, and old settled loans marked active are common — and each one can quietly drag your score down.

The CoinPath process

Three steps from where you are to where you should be.

01

Get your full CIBIL report, decoded

We pull your report and break down exactly what's helping and hurting your score — in plain language, not jargon.

02

We dispute errors on your behalf

Incorrect entries, duplicate accounts, wrongly-marked defaults — we file and follow up on disputes with the bureau and lenders directly.

Assigned credit expert
03

Track your score rise, month by month

A live dashboard shows your score movement and what changed — so progress is never a guess.

Know your report

6 terms in your CIBIL report that quietly hurt your score.

Settlement

You paid less than the full owed amount and the lender agreed to close it. It stays on your report and signals risk to future lenders for years.

Write-off

The lender gave up trying to recover the amount and marked it as a loss. One of the most damaging entries a report can have.

DPD (Days Past Due)

Shows how many days a payment was late — 30, 60, 90+. Higher DPD numbers drag your score down every month they appear.

Restructured

Your loan terms were changed because you were struggling to repay. Lenders read this as a warning sign on future applications.

Suit Filed / Willful Default

Legal action was taken for non-payment. This is the most severe negative marker a report can carry.

Charge-off / Repossessed

The lender closed the account as an unrecoverable loss, or took back a financed asset. Both flag heavily to anyone reviewing your report.

Check your credit score — free, in under 2 minutes.

No impact on your score. No spam calls. Share your details and our team will reach out.

Beyond credit repair

Once your score is on track, more opens up.

CoinPath is built as a complete financial platform. Credit repair comes first — the rest is ready when you are.

Loans

Personal, business and home loans matched to your improving profile — better rates as your score climbs.

Insurance

Health, life and vehicle cover — reviewed alongside your finances, not sold in isolation.

Mutual funds & wealth

Once your credit is stable, we help you start building — SIPs and fund selection matched to your goals.

All of the above are available right now — not "coming soon."