The file has at least one major bureau blocker. Fix the highest-leverage item first instead of trying to do everything at once.
If the top issues are resolved, your score could reach approximately 693-753. This is an estimate, not a guarantee.
* Estimate only. Actual improvement depends on bureau processing timelines.
These are bureau or lender reporting errors. Each gets a legal dispute letter sent directly to the bank — we track the 30-day response window and escalate to RBI if needed.
SUB is a strong negative bureau marker and will keep approvals expensive or unavailable until corrected or aged out.
A settlement or write-off remark tells new lenders the prior account was not closed on original terms.
The DPD grid still shows up to 30 days past due, which weakens current creditworthiness.
3 hard enquiries landed within six months, which makes the file look credit-hungry in the short term.