📖 What is Written Off Clearance?
A "written off" status appears when a lender has given up on recovering a debt after prolonged defaults. However, the entry remains on your credit report for up to 7 years – and often stays longer due to reporting errors. This is one of the most damaging negative marks, dropping your CIBIL score by 50–100 points.
Our Written Off Clearance service helps you get this entry removed completely, restoring your creditworthiness and opening doors to new loans.
50-100
Points increase after removal
5,000+
Write-offs cleared successfully
30-45
Days resolution timeline
⚠️ How a Written-Off Account Hurts You
- Score Drop: 50-100 points reduction
- Loan Rejection: 90% of banks reject applications with write-offs
- Higher Interest Rates: Even if approved, rates are 2-5% higher
- Long-lasting Damage: Stays on report for 7 years minimum
🔧 Our Written Off Clearance Process
1
Loan & Document Collection
We help you gather all relevant loan documents, settlement letters, and your latest credit report.
2
Legal Notice to Bank & Bureaus
Our legal team drafts and sends a formal dispute notice to the lender and all credit bureaus.
3
Validate the Write-off
We check if the write-off is time-barred (older than 7 years) or an error, and build a strong legal case.
4
Escalate to RBI Ombudsman
If the lender does not respond, we escalate to the Banking Ombudsman and RBI.
5
Follow-up & Resolution
We track every dispute, provide regular updates, and ensure the entry is removed from your report.
6
Final Credit Report
Once cleared, we give you an updated report and a certificate of resolution.
✅ Key Benefits of Written Off Clearance
📈 Score Boost
Removing a write-off can increase your CIBIL score by up to 100 points.
🏦 Loan Eligibility
Banks reject applications with write-offs – after removal, you become eligible again.
⚖️ Legally Compliant
All actions are based on RBI guidelines and the Credit Information Companies Act.
💰 No-Win-No-Fee
If we cannot remove the entry, you get a full refund.
📉 Lower Interest Rates
Clean report helps you qualify for competitive interest rates.
🏠 Home Loan Approval
Major banks approve home loans only after write-off is removed.
🌟 Why Choose Our Written Off Clearance Service?
We are specialists in removing write-off entries. Our legal team has a 98% success rate and we have helped over 5,000 clients get their credit reports cleaned. We provide a dedicated case manager, regular updates, and a full money-back guarantee. Don't let an old write-off ruin your future – let us restore your credit today.
❓ Frequently Asked Questions
Can a written-off account be removed completely?
Yes, absolutely. We have successfully removed thousands of write-off entries. By law, they should be removed after 7 years, and we also fight to get them removed earlier if they are erroneous or time-barred.
How long does the process take?
Typically 30-45 days. Bureaus have 30 days to respond to disputes. We handle all follow-up and escalate if needed.
Do I need to pay the original debt again?
No. Our service focuses on correcting the credit remark – you do not need to pay any extra amount to the lender. We only use the existing settlement or the fact that the debt is time-barred.
What if the bank refuses to update?
We escalate to the Banking Ombudsman and RBI. Our legal team ensures your rights are protected under RBI guidelines.