Elevate Your Enterprise Credit Rating
- Access to larger credit facilities
- Improved terms with global suppliers
- Stronger position for mergers and acquisitions
Optimize your credit strategy for market leadership.
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Credit Rating Advisory Services
Welcome to Credit Bridge Advisors, where we specialize in providing comprehensive credit rating advisory services. Our expertise lies in acting as a bridge between corporates seeking credit ratings and both domestic and international credit rating agencies. Our experienced team offers invaluable assistance in achieving desired rating upgrades or preventing downgrades by fine-tuning strategies. We possess an in-depth understanding of credit ratings and the key factors that impact them, enabling more efficient business decisions.
What We Offer
Our team of financial experts at Credit Bridge Advisors is on a mission to help you break free from the constraints of a low CIBIL score. We offer a comprehensive suite of credit improvement services, including:
Comprehensive Credit Rating Advisory
Tailored solutions for corporates seeking credit ratings from both domestic and international agencies
In-Depth Quantitative Analysis
Detailed analysis of financial statements and forecasts, ensuring alignment with agency methodologies.
Management Preparation and Support
Guidance and preparation for management in handling rating agency interviews and discussions.
Strategic Selection of Rating Agencies
Expertise in choosing the most suitable rating agency based on sector outlook and past ratings.
Preparation and Submission Assistance
Support in creating and submitting the necessary documentation to rating agencies.
Ongoing Monitoring and Strategy Development
Continuous support in maintaining and enhancing creditworthiness.
Book Your Free Consultation Now
Ready to enhance your credit rating? Start with a no-obligation consultation with our experts. Discover how we can tailor our services to your unique needs.”
How Much Our Service Costs?
Business Essential
₹ 34,999
Plus 18% GST
- Comprehensive CIBIL Report analysis
- In-depth business credit profile evaluation
- Detailed problem identification and root cause analysis
- Tailored solutioning strategy development
- Dedicated account manager for personalized support
- Basic credit education resources
Business Advanced
₹ 40,999
Plus 18% GST
- All Business Essential features, plus:
- Analysis of CIBIL and one additional Credit Bureau
- Cross-bureau discrepancy identification
- Quarterly strategy refinement and optimization
- Priority business support line
- Quarterly strategy refinement
Business Premium
₹ 51,999
Plus 18% GST
- All Business Advanced features, plus:
- Full analysis of all four credit bureaus
- 360° credit health evaluation across all bureaus
- Accelerated dispute resolution assistance
- Bi-monthly strategy refinement and optimization
- Exclusive access to credit expert consultations
Business Elite
₹ 59,999
Plus 18% GST
- All Business Premium features, plus:
- Annual Maintainance & Subscription For CIBIL
- Proactive credit monitoring across all four bureaus
- Real-time alerts for credit profile changes
- Rapid response team for immediate issue resolution
- Personalized credit optimization roadmap
Connect with us for more insights and updates.
Why Choose Us
Expertise and Experience
Our team has extensive knowledge and experience in credit rating processes.
Customized Approach
We tailor our services to meet your specific needs and goals.
Proactive Strategy Development
Our proactive approach helps in anticipating and addressing potential issues.
Strong Agency Relationships
We maintain good relationships with rating agencies, facilitating smoother processes.
Benefits to Your Business
Enhanced Creditworthiness
Achieve desired rating upgrades and avoid downgrades.
Informed Decision Making
Leverage our in-depth understanding of credit ratings for better business decisions.
Strategic Agency Selection:
Benefit from our knowledge of various rating agencies and sector outlooks.
Prepared Management
Ensure your management is well-prepared and confident in interactions with rating agencies.
Continuous Support
Ongoing assistance in credit rating maintenance and improvement.
Risk Reduction
Lower financial risks by maintaining a healthy credit profile.
Schedule Your Free Consultation Now
Factors Influencing Your Credit Report
Various elements impact an individual’s credit report, which in turn affects their credit score and overall creditworthiness. Here are some of the key factors to consider:
Payment History
This is the most significant factor, accounting for about 35% of your CIBIL score. It includes your track record of paying bills on time, late payments, missed payments, and any defaults or bankruptcies.
Credit Utilization Ratio
This represents how much of your available credit you're using at any given time. It accounts for approximately 30% of your score. Keeping your credit utilization below 30% is generally recommended for a healthy credit score.
Length of Credit History
The duration for which you've had credit accounts open affects about 15% of your score. Longer credit histories generally have a positive impact, as they provide more data on your credit behavior over time.
Types of Credit
The diversity of your credit accounts (e.g., credit cards, personal loans, home loans) influences about 10% of your score. A healthy mix of different types of credit can positively impact your score.
Recent Credit Inquiries
Hard inquiries, which occur when you apply for new credit, can slightly lower your score. They account for about 10% of your CIBIL score. Multiple inquiries in a short period can be seen as a sign of financial distress.
Public Records
Any financial-related public records such as bankruptcies, tax liens, or court judgments can severely impact your credit score. These can remain on your report for several years.
Total Balances and Debt
The total amount of debt you carry across all your credit accounts is considered. High levels of debt, especially compared to your income, can negatively affect your score.
Credit Report Errors
Errors on your credit report, such as inaccuracies in personal information, account details, or payment history, can negatively affect your credit score. Regularly reviewing your report helps identify and correct such mistakes.
Account Status
Whether your accounts are open, closed, or in good standing is factored into your credit report. Accounts closed in good standing can positively impact your score for a period of time.
Our Credit Rating Process Includes
Step 1: Understanding Rating Requirement
We begin by comprehending your credit rating needs and expected outcomes. This
involves sharing financials, project details, and other necessary data for primary analysis.
Step 2: Quantitative Analysis
Our analysis covers historical financial statements and forecasts,
adjusting for agency methodologies, stresses, and/or business scenarios.
Step 3: Management Discussion
We provide valuable insights and improvement areas to clients. This includes preparing
management for rating agency interviews with draft questions, key messages, and mock interviews if needed.
Step 4: Selection of Rating Agency
We track sector outlooks and past ratings by various
agencies, helping us select the ideal agency for your company
Step 5: Preparation of Agency Submissions
We assist in preparing supplementary materials for the rating agency,
ensuring a fair assessment of your company’s creditworthiness.
Step 6: Coordination with Rating Agency
We offer support during presentations and discussions with the chosen
rating agency, working as a partner in providing all necessary information.
Step 7: Credit Ratings Finalization
We advise on whether to appeal any aspect of the
decision or to accept the outcome and convert it to a public rating.
Step 8: Monitoring and Road Ahead
long-term strategies to maintain and improve creditworthiness.
How Much Our Service Costs?
Frequently Asked Questions
Find answers to common questions about commercial credit scores and our services. Your trust and confidence are our top priorities.
Have More Questions?
How long does the credit rating process take
The duration varies based on several factors, including the complexity of your business and the responsiveness of the rating agencies.
Can you guarantee a specific credit rating
While we cannot guarantee a specific rating, we are committed to employing all our expertise and resources to achieve the best possible outcome.
How often should we review our credit rating
Credit ratings should be reviewed regularly, especially when there are significant changes in your business or the market.
Do you provide support for international credit ratings?
Yes, we offer advisory services for both domestic and international credit ratings.
What kind of businesses do you work with?
We work with a diverse range of businesses across various sectors, tailoring our services to meet their unique needs.
How do you ensure confidentiality of our financial information?
We adhere to strict confidentiality protocols. All client information is securely handled and shared only with authorized personnel and agencies as required for the credit rating process.
What does it mean, if my Credit Rank is NA?
No Loan History: The company may not have taken any loans or credit facilities in the past. Credit Rank is often based on a company’s credit and loan repayment history. If there’s no such history, the credit bureaus might not have enough data to assign a rank.
Outside Loan Amount Criteria: The range of loan amounts considered for assigning a Credit Rank is usually specific. If the total outstanding loan amount of your company does not fall within the range of Rs 10 Lakh to Rs 50 Crore, the system may not generate a Credit Rank. This criterion can vary depending on the policies of the credit bureau.
Other Reasons:
New Business: For relatively new businesses without a substantial credit history, a Credit Rank might not be assigned.
Limited Credit Data: If the credit bureaus have limited data on your company’s credit activities, they might not be able to compute a Credit Rank accurately.
What is the first step in starting the credit rating advisory process with you?
The first step is an initial consultation where we discuss your business needs, objectives, and gather necessary information to begin our analysis and strategy development.
Can you assist with credit rating appeals?
Yes, we provide guidance and support in the event of an appeal against a credit rating decision, helping you present a strong case to the rating agencies.
How do you stay updated with changes in credit rating methodologies?
Our team continuously monitors updates and changes in credit rating methodologies and market trends to ensure our strategies and advice are current and effective.
What differentiates you from other credit rating advisory services?
Our personalized approach, deep industry knowledge, strong relationships with rating agencies, and commitment to client success set us apart.
Can small businesses or startups benefit from your services?
Absolutely. We cater to businesses of all sizes, including small businesses and startups, offering tailored advice to improve their creditworthiness.
How frequently will we communicate during the credit rating process?
Communication frequency is tailored to your needs. We ensure regular updates and are always available for any queries or discussions.
Is it possible to improve a credit rating in a short period?
While significant improvements may take time, we can implement strategies that can positively impact your credit rating in the short term, depending on your specific situation.
Do you provide ongoing support after achieving a desired credit rating?
Yes, we offer ongoing support and monitoring to ensure that your credit rating remains strong and to identify opportunities for further improvement.
How do you prepare management for interactions with credit rating agencies?
We provide comprehensive training, including mock interviews, Q&A sessions, and guidance on key points to highlight, ensuring your management is well-prepared and confident.
Your Trusted Credit Repair Partner
Integrity. Transparency. Results You Can Count On
