Credit Bridge Advisors

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Rebuild Your Business Credit. Unlock Your Growth Potential.

Expert solutions to improve your credit rank and expand your financial opportunities

  • Customized credit repair strategies
  • Boost your CMR Rank
  • Increase access to funding
  • Improve supplier terms
  • Enhance business credibility

“100% Money-Back Guarantee If We Don’t Deliver on Our Promises”

Commercial Credit Repair Services

Our services help organizations with their credit report services. The services lead organizations to financial growth and further build up a healthy company credit report.

 Achieve organizational excellence in the industry with the right momentum through our commercial credit report services.

Expert Credit Repair Solutions for All Major Credit Bureaus

At Credit Bridge Advisors, we specialize in navigating the intricate landscape of credit reports from all four major credit bureaus: Experian, Equifax, TransUnion CIBIL & CRIF Highmark. Our comprehensive approach to credit repair is tailored to meet your unique financial situation, ensuring a personalized path to better credit.

What We Offer

Comprehensive Credit Analysis

Dive deep into your credit profile for insights and improvement strategies.

Tailored Credit Repair

Custom solutions for your unique credit challenges

Continuous Monitoring

Keeping your credit on the right track.

How can we help you?

Resolve your credit hurdles with confidence – Contact us for Credit Rating Advisory today!

It was a very good experience working with Credit Bridge Advisros in resolving my CIBIL issues, I would like to thank you for your continuous support and guidance.

Nihal S
Microsoft Inc

How do businesses benefit from commercial credit report services?

To function seamlessly as an organization, businesses should have excellent financial health. Any inaccuracy or bad credit report could affect the organization in the long run. A good company credit report facilitates building a good image in the market.

You could make the best financial decisions for your business.

Enhanced Loan Terms

Qualify for better loan conditions with lower interest rates.

Improved Market Credibility

Strengthen your business's reputation in financial markets.

Increased Funding Options

Access a wider range of financing opportunities.

Better Financial Management

Insights from credit analysis lead to smarter financial decisions.

Growth Opportunities

Leverage a strong credit score to expand and grow your business.

Risk Reduction

Lower financial risks by maintaining a healthy credit profile.

Why should you collaborate with us?

Customer-centric approach

We follow a customer-centric approach so that organizations access quality services resulting in the best outcome.

Professional service

Our experts offer quality services that accelerate the financial growth of your organization. You could keep a tab on your credit health on a timely basis.

Personalized services

The services are tailored to the needs of your organization leading you on the right path to financial excellence.

Better financial management

Businesses have better financial management and they could improve their market credibility.

How do we execute the process?

  • Step 1

    Assessment

    Understanding your current credit position.

  • Step 2

    Strategy

    Developing a personalized credit improvement plan.

  • Step 3

    Implementation

    Executing the plan with precision.

  • Step 4

    Monitoring

    Ensuring ongoing credit health.

Schedule Your Free Consultation Now

How Much Our Service Costs?

Your Trusted Guide Through the Complex World of Credit Reports

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
Most Preferred
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.

What is Commercial Credit Report & CMR Rank

Commercial Credit Report (CCR):Prepared by credit bureaus like TransUnion CIBIL, the CCR is essentially a report card of a business, particularly for Micro, Small, and Medium Enterprises (MSMEs). It details the credit history and behavior of a business entity. The report includes various financial data such as credit utilization, payment histories, outstanding debts, and other relevant financial information. This report is crucial for lenders like banks as it provides deep insights into the financial health and creditworthiness of a business. By assessing this report, lenders can make informed decisions about extending credit to the business.

Credit MSME Rating (CMR): This is a specific rating scale used to assess the credit risk associated with MSMEs. It typically ranges from 1 to 10, with 1 being the best rating, indicating the lowest credit risk, and 10 being the worst, indicating the highest credit risk. This rating helps in quickly understanding the credit risk level of an MSME, simplifying the decision-making process for lenders. A higher rating (closer to 1) would generally mean that the MSME is more creditworthy and less risky to lend to, whereas a lower rating (closer to 10) would indicate higher risk.

Factors Affecting Credit Commercial Report

Following is the list of the major factors which are taken into consideration while preparing the Credit Commercial Credit Report (CCR), and the Credit Rank:

Outstanding Debts

This refers to the sum of ongoing loans and other outstanding debts of the company which a company.

Vintage and Size of Company

Companies which are in their current business for a long period have better chances of loan approval.

Credit Utilization Ratio

This refers to the ratio of credit used by the company out of the total credit  available.

Payment History

This refers to the financial discipline of the company while making repayment to the lender.

Length of Credit History

It refers to the duration over which the company has availed loans and repaid them.

Turnover and Profit of Business

Turnover of a company tells about the size of the company and profit of the company shows that how efficiently and professionally a company is being run.

How to Read Credit Commercial Credit?

Reading a Commercial Credit Report (CCR) is essential for understanding a business entity’s creditworthiness. The report, which can be about a Proprietorship, Partnership, LLP, Private Limited, or a Public Limited firm, is divided into several sections, each providing specific information about the business’s credit history and status.

Contains the Report Order Number, indicating how many times the report has been accessed from the credit bureau’s database.

Details the name of the company, an identification code, and the company’s address.

Borrower Details: Includes the company name, legal constitution, class of activity, etc.

Address and Contact Details: The registered office address, phone number, and other contact information.

Identification Details: The company’s PAN, company registration number, and other identifying details.

Delinquencies Reported on the Borrower: Information about the payment status of the company and any guarantors.

Displays the company’s credit rank, which ranges from 1 to 10. A lower rank indicates better creditworthiness and improves loan prospects.

Lists inquiries made by lenders about the company in the recent past.

Contains information about defaults, overdue payments, and dishonored cheques.

Additional contact information of the company.

Provides an overview of the company’s asset classification with respect to availed credit facilities.

Information about related individuals or entities associated with the company.

Details of the credit facilities availed by the company, including credit facility details, payment status, and overdue details.

Details about the credit facilities guaranteed by the company.

Information on suits filed by any previous lenders against the company.

The latest three credit ratings assigned to the company by an external accredited rating agency.

Details about inquiries made by lenders regarding the company’s credit applications.

What is the difference between CIBIL Score & CMR Rank

Individual Credit Score:

Range: The credit score for individuals typically ranges from 300 to 900.

Interpretation: A score of 750 or higher is generally considered excellent, indicating great chances of loan approval.

Purpose: It is a summary of an individual’s past and present loan track record, including their history of repaying debts, credit card usage, and other credit-related activities.

Used By: Individual credit scores are used by banks and lenders to evaluate the creditworthiness of individual borrowers.

Credit Rank for Companies and Firms:

Range: Credit rank for businesses typically ranges from  CMR-1 to CMR-10.

Interpretation: CMR-1 (highest safety) to CMR-10 (default): Descending scale of creditworthiness from excellent financial strength and lowest risk to complete financial failure and highest risk.

Purpose: The purpose of the CMR (Company Credit) Rank is to provide a quick, standardized assessment of a company’s creditworthiness and financial health, enabling lenders, investors, and business partners to make informed decisions about credit extension, investments, and business relationships.

Used By: Business/MSME credit ranking is used by banks and lenders to evaluate the creditworthiness of business borrowers.

Frequently Asked Questions

Find answers to common questions about commercial credit scores and our services. Your trust and confidence are our top priorities.

Definition of Credit CCR:

A Credit Commercial Credit Report is an extensive record detailing a company’s past repayment history of loans and credit facilities. It serves as a comprehensive document reflecting the credit behavior of a business entity.

Sources of Information:

The information in a CCR is compiled from various banks and lenders with whom the company has previously engaged for loans and credit facilities. This ensures a complete and accurate reflection of the company’s credit dealings.

Content of the Report:

The CCR includes data such as the types and amounts of loans taken, repayment timelines, credit utilization, defaults if any, and other relevant credit-related activities.

It may also include information about the company’s credit inquiries, which can indicate the level of new credit sought by the business.

Purpose and Usage:

Assessment Tool for Lenders: Banks and other financial institutions use the CCR as a critical tool to assess the creditworthiness of a company. It helps them evaluate the risk associated with lending to that business.

Determining Future Repayment Risk: Lenders analyze the CCR to predict the future risk of repayment defaults based on the company’s historical credit behavior.

Decision-Making for Credit Extensions: The report aids in making informed decisions regarding the approval of loans, setting credit limits, and determining interest rates and terms of credit.

Impact on Companies:

A positive CCR, indicating timely repayments and responsible credit management, can enhance a company’s chances of obtaining credit with favorable terms.

Conversely, a CCR showing late payments, high credit utilization, or defaults can hinder a company’s ability to secure credit or lead to less favorable loan conditions.

Credit Rank Overview:

Single Number Summary: Credit Rank is a numerical representation, summarizing the entire Credit Report of a company into one number.

Scale: It typically ranges from 1 to 10.

Interpretation:

Lower is Better: In this scale, a lower number (closer to 1) indicates a higher creditworthiness and lower risk for lenders. It reflects a strong credit history and a positive repayment record.

Higher Numbers Indicate Risk: Conversely, a higher number (closer to 10) suggests a higher risk of default and potentially weaker creditworthiness. This can be due to factors like late payments, high credit utilization, or defaults.

Purpose and Usage:

Quick Assessment Tool: Credit Rank provides lenders with a quick, at-a-glance assessment of a company’s credit risk. It simplifies the decision-making process for extending credit or loans.

Complement to Detailed Reports: While it offers a quick reference, lenders often use Credit Rank in conjunction with more detailed credit reports to get a comprehensive understanding of a company’s financial behavior.

Impact on Businesses:

Loan and Credit Approvals: A good Credit Rank (lower number) can significantly enhance a company’s prospects of obtaining loans and credit facilities on favorable terms.

Negotiating Power: It can also give businesses leverage in negotiating interest rates and credit terms.

Management and Improvement:

Regular Monitoring: Companies should monitor their Credit Rank regularly to understand their credit position.

Strategic Financial Management: Businesses can take strategic actions like timely repayment of loans, maintaining low credit utilization, and managing debt efficiently to improve their Credit Rank.

Visit the Credit Bureau’s Portal:

Navigate to the official website of the credit bureau (like TransUnion, Experian, Equifax, or others offering commercial credit reports).

Locate the Commercial Credit Report Section:

Look for the section dedicated to commercial or business credit reports. This might be labeled as “Company Credit Report”, “Commercial Credit”, or similar.

Registration or Login:

If you’re a first-time user, you may need to create an account. If you already have an account, log in using your credentials.

Provide Required Details:

Enter the necessary details about your company. This typically includes company name, registration number, PAN, and other relevant business information.

You may also be required to provide personal identification details if you are the authorized person accessing the report.

Payment of Fee:

Commercial credit reports are usually provided for a fee. You’ll need to pay this fee online as part of the process. The payment methods available (like credit card, debit card, net banking) and the amount will be specified on the website.

Submit the Request:

After filling in the details and making the payment, submit your request for the credit report.

Download the Report:

Once your request is processed, you should be able to download the Company Credit Report. It may be available immediately or sent to you via email.

Review the Report:

After downloading, review the report thoroughly for any discrepancies or areas of concern.

Banks: Traditional banking institutions often access these reports as part of their due diligence process when assessing loan applications from businesses. They use the credit report and rank to evaluate the creditworthiness and repayment capacity of a company.

Non-Banking Financial Companies (NBFCs): These financial institutions, which offer various banking services but don’t hold a banking license, also use these reports for similar purposes as banks. They rely on the credit information to make informed lending decisions.

Financial Institutions: This category includes a wide range of organizations that deal with monetary transactions, such as credit unions, insurance companies, brokerages, and investment funds. These institutions may access company credit reports and ranks for lending purposes, investment decisions, or risk assessment.

Credit Bureaus Members: Besides the aforementioned entities, other members of credit bureaus (like TransUnion, Experian, Equifax) who have legitimate business reasons and the necessary permissions can access these reports. This access is governed by regulations to ensure that only authorized and relevant parties can view such sensitive financial data.

The Company Itself: The company whose credit is being reported can request and access its own credit report and credit rank. This is often done for self-assessment, to understand their standing before applying for loans, or to check for inaccuracies.

Authorized Representatives: In some cases, authorized representatives of the company, such as accountants, legal advisors, or financial consultants, may access the report on behalf of the company, provided they have the necessary authorization.

Unique Identifier: Each time a Company Credit Report is accessed from the credit bureau’s database, a unique number, known as the Report Order Number, is generated. This number is specific to that particular access or order of the report.

Purpose:

Tracking: It helps in tracking and referencing a specific instance when the report was pulled. This is particularly useful for record-keeping and auditing purposes.

Verification: It serves as a verification tool. If there are any queries or issues related to a specific report, the Report Order Number can be used to quickly locate and review the exact report in question.

Indication of Access Frequency: The Report Order Number can also indicate the frequency of inquiries or accesses made to the company’s credit report. A higher number might suggest that the report has been accessed multiple times, which could be of interest to the company for understanding how often its credit information is being reviewed.

Confidentiality: While the Report Order Number is unique and important for tracking, it is generally confidential and should be treated with the same level of security as the report itself to ensure privacy and data protection.

Utility for Businesses: For businesses, keeping track of Report Order Numbers can be useful for monitoring who is checking their credit and how often, as part of managing their financial reputation and creditworthiness.

Credit Score (for Individuals):

Range: Typically ranges from 300 to 900.

Indicators: A higher score, closer to 900, is considered good, indicating a lower risk to lenders. It suggests a strong history of credit management, including timely repayments, low credit utilization, and a balanced mix of credit.

Calculation: Calculated based on an individual’s credit history, including payment history, amounts owed, length of credit history, types of credit used, and new credit.

Use: Used by lenders to evaluate the creditworthiness of individual borrowers for personal loans, credit cards, mortgages, etc.

Credit Rank (for Commercial Entities):

Range: Ranges from 1 to 10.

Indicators: A lower rank, closer to 1, is considered good, indicating a higher level of creditworthiness and a lower risk for lenders. It reflects a company’s positive credit history and financial stability.

Calculation: Derived from a company’s credit history, including repayment of loans, credit utilization, the status of credit accounts, and other financial behaviors.

Use: Used by financial institutions to assess the creditworthiness of businesses, primarily for commercial loans, credit lines, and other business credit facilities.

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.

Review the Report Thoroughly:

First, carefully review the entire credit report to identify any and all errors or discrepancies.

Gather Supporting Documentation:

Collect any documents or evidence that support your claim about the incorrect information. This could include bank statements, loan documents, payment confirmations, etc.

Raise a Dispute with the Credit Bureau:

Contact the credit bureau (such as TransUnion CIBIL, Experian, or Equifax) that issued the report. This is typically done through a formal dispute process.

You can usually raise a dispute online through the credit bureau’s website. Look for a section labeled “Dispute Resolution” or similar.

Fill out the dispute form accurately, providing all necessary details about the incorrect information and include your supporting documents.

Document Your Dispute:

Keep a record of your dispute submission, including a copy of the dispute form and any correspondence with the credit bureau.

Note down any reference or dispute ID numbers provided for future follow-up.

Follow Up Regularly:

Credit bureaus usually resolve disputes within 30 to 45 days. Regularly check the status of your dispute and follow up if necessary.

Review the Updated Report:

Once the dispute is resolved, obtain an updated copy of your CCR to ensure the corrections have been made.

Contact Your Lenders if Necessary:

If the error originated from a lender or financial institution, you might also need to contact them directly to rectify the mistake at their end.

Monitor Your Credit Report:

Regularly monitor your company’s credit report for any future inaccuracies.

Ready to Begin

Take the first step towards financial freedom. Contact us for a free consultation and let Credit Bridge Advisors be your ally in achieving a healthy credit score. Our expert team is ready to guide you through every step of the credit repair process.