AI-POWERED CIBIL SCORE REPAIR

Upload your CIBIL report. See what's wrong. Free.

Your CIBIL report contains the exact reason you're being rejected. We read it, show every issue in plain language, and estimate how far your score could go after fixes.

Check my report free See a sample report first

PrivacyPDF never leaves your device

Raw report stays local. Only structured data is sent.

ChannelsWeb + WhatsApp

Diagnose on web. Follow through on WhatsApp.

RemindersDay 1 → 15 → 30 → 31 follow-up cadence

We remind you when the bank must legally respond, and escalate on day 31.

22.9LComplaints filed with CIBIL in FY2024-25

5.8LWere confirmed bureau errors

₹1vs ₹3,000–₹15,000 charged by credit repair agents

"My SBI home loan was rejected twice. Sherpa found a settled account from 2019 that I didn't even know was wrong. The dispute letter was ready in 2 minutes. Bank corrected it in 24 days. Loan approved."

Amit K.Pune · Score improved by 90+ points

"I had no idea HDFC was reporting my closed loan as still active. Sherpa explained it in plain Hindi, generated the letter, sent it to my WhatsApp. The bank fixed it in 19 days."

Rakesh M.Indore · Score improved by 100+ points

"Tried to fix my CIBIL for 8 months on my own. Sherpa did it in one evening. The RBI complaint template on Day 31 is what finally made the bank respond."

Priya S.Bengaluru · Score improved by 150+ points

WHO IT'S FOR

Three starting points, one product

The same AI reads your report differently based on where you are.

Below 600

Rahul

Diagnosis, dispute drafting, negotiation scripts

Issue-by-issue diagnosis in plain English
Dispute letters ready for bank grievance cells
A timer that keeps the 30-day correction clock ticking

No history

Priya

Guided credit building path without jargon

First-credit roadmap without jargon
Rules for building history safely from zero
A realistic 3–6 month timeline to your first score

600-750

Amit

Explain hidden blockers and next best actions

Hidden friction called out clearly
A tighter sequence for the next 60 days
Follow-through without unnecessary applications

HOW IT WORKS

Three steps. Sherpa does the heavy lifting.

Upload securely

Collect name and date of birth, derive the public password pattern, and keep the PDF on-device.

Diagnose precisely

Translate raw bureau codes into plain English or Hindi with impact-ranked explanations.

Act with structure

Sherpa handles this for you

Give the user a checklist, ready-to-send drafts, and a clear escalation timer.

Follow through

Track progress, remind at the right moment, and hand off to WhatsApp when attention drops.

PRICING

Free diagnosis. Paid execution.

See exactly what is wrong for free. Pay ₹1 only when you are ready to fix it.

Free

Diagnosis only

See what is wrong before you spend anything.

✓ Upload and parse your PDF

✓ Score, issues, positives, estimate

✓ Read-only action plan

₹1 unlock

A credit repair agent charges ₹3,000–₹15,000. This is ₹1.

✓ Dispute letters — Word + PDF

✓ WhatsApp delivery in seconds

✓ RBI escalation draft

✓ Do It For Me execution path

Start free — upgrade at ₹1

What you get

Built to follow through

30Days until bank must legally respond

Day 31RBI escalation draft auto-unlocks

Timed reminders, dashboard sync, and WhatsApp handoff — same product brain on every channel.