Company Credit Rectification
At Shridhi Credit Masters, we recognise that a business’s credibility in the financial market depends greatly on its credit profile. That’s why we extend our expertise beyond individual credit support and offer specialised Company Credit Rectification services to ensure that your organisation always remains Business-Credit-Healthy.
Our Expertise for Businesses
We support companies in building and maintaining a strong business credit profile by helping them:
- Improve their CIBIL Rank — guiding businesses to enhance their rank towards the ideal range of 4 to 1
- Monitor business credit health regularly — to prevent sudden financial roadblocks
- Analyse Commercial Credit Reports (CCR) — to identify issues affecting loan eligibility and financial reputation
With Shridhi Credit Masters, your business becomes financially compliant, credit-ready and future-ready.
What is CIBIL Rank?
The CIBIL Rank summarises your Company Credit Report in a single number — similar to how individuals receive a CIBIL Score.
- Ranges from 1 to 10
- 1 = Best | 10 = Worst
- A rank between 4 and 1 is considered strong and preferred by most financial institutions
A good CIBIL Rank reflects the creditworthiness of a business and significantly influences loan approvals, interest rates, working capital limits and partnerships.
Companies with a current credit exposure of up to ₹50 crores are eligible for CIBIL Rank.
What is a Company Credit Report (CCR)?
A Company Credit Report is a complete record of the financial and repayment history of a business. Lenders heavily rely on CCR to evaluate the risk profile of a company before approving:
- Business loans
- Cash credit facilities
- Project financing
- Working capital limits
A CCR typically includes:
- Background Information — structure of business, parent/subsidiary details, ownership and years of operation
- CIBIL Rank — summarised credit ranking between 1 and 10
- Financial Information — repayment records, credit limits, loan history, utilisation details
- Financial History — collections, defaults, revenue behaviour and outstanding liabilities
Why CIBIL Rank & CCR Matter for a Company
Maintaining a healthy Company Credit Report provides long-term and strategic financial advantages:
- Lower Interest Rates — better reputation leads to faster and more affordable credit
- Stronger Business Proposals — enhances trust while dealing with partners, investors and vendors
- Loan-Ready at All Times — proactive monitoring avoids surprises during loan applications
Shridhi Credit Masters Will Help Rectify:
We work with bureaus to correct all types of inconsistencies in Company Credit Reports:
- Accounts that do not belong to the business
- Duplicate accounts
- Incorrect or unauthorised inquiries
- Inaccurate account reporting
- Wrong classification of delinquent accounts
- Incorrect last payment dates or open dates
- Closed accounts shown as open
- Incorrect balance outstanding
- Incorrect credit limit reporting
Our experts ensure accurate rectification, transparent process, and timely updates.
What is the difference between CIBIL Rank and CIBIL Score?
| Aspect | CIBIL Rank | CIBIL Score |
|---|---|---|
| Applicable To | Companies / Businesses | Individual Consumers |
| Format | Number from 1 to 10 | Three-digit score from 300 to 900 |
| Best Range | Closer to 1 | Closer to 900 |
| Basis | Company Credit Report | Credit Information Report |
| Eligibility | Outstanding credit of ₹10 lakh to ₹50 crore | Any individual with a credit history |
Why should companies regularly check their Commercial CIBIL Report?
To ensure:
- Accurate assessment of creditworthiness
- Continuous monitoring of financial health
- Early detection of reporting errors and fraud
- Smarter credit management and borrowing strategy
By monitoring CCR regularly, businesses position themselves for growth, financial stability and better market credibility.