Identify and resolve errors in your credit report with step-by-step support, clear timelines, and expert assistance
What is ZET Fixit?
ZET Fixit helps you identify errors and fake accounts, and helps you fix them step-by-step
Even small errors can hurt your score. ZET Fixit makes fixing them easy!
How Does ZET Fixit Work?
Clear, simple support to identify and correct errors in your credit report
Step 1
Get Your Plan
Get complete support with ZET Fixit for a small fee and start your credit report review
Step 2
We Scan Your Report
ZET Fixit automatically checks your credit report for errors and suspicious accounts
Step 3
Issues Identified
Unrecognised accounts, fake loans, incorrect remarks, and more are flagged
Step 4
Dedicated Support
We assist in framing emails and communications to banks and bureaus, so you know exactly what to do
Step 5
Stay Informed
Receive updates and reminders at every step until your report is corrected
What is ZET Fixit and what does it do?
ZET Fixit is a credit report error resolution tool within the ZET app. It helps users identify errors and inaccuracies in their credit reports and guides them through the process of fixing them step by step. Errors can include unrecognised accounts, fake loans, incorrect payment remarks, or closed accounts still listed as open. ZET Fixit provides clear timelines, guided steps, and reminders throughout the dispute process, making it easier for users to correct their credit report and improve their credit score.
How does fixing credit report errors with ZET Fixit improve my credit score?
When your credit report contains errors, they misrepresent your actual financial behaviour to lenders and credit bureaus. ZET Fixit helps you correct those errors so your report accurately reflects how you manage credit. An accurate credit report with no incorrect negative remarks or unrecognised accounts can lead to a higher credit score, faster loan approvals, access to higher credit limits, and better interest rates. Even correcting a single error can result in a measurable improvement in your credit score.
What support does ZET Fixit provide during the dispute process?
ZET Fixit provides step-by-step guidance throughout the entire credit dispute process. After identifying an error in your credit report, the tool tells you exactly what action to take, which institution to contact, and what information to submit. ZET Fixit also sends reminders to ensure you do not miss any follow-up steps. You receive status updates as the dispute progresses, and ZET keeps you informed at every stage until the error is fully resolved, removing the complexity of navigating credit bureau procedures on your own.
How long does it take to resolve a credit report error using ZET Fixit?
The time to resolve a credit report error through ZET Fixit depends on the type of error and which credit bureau or bank is involved. In most cases, disputes are resolved within a few weeks. ZET Fixit provides clear timelines for each dispute and sends reminders to help you stay on track. Once an error is corrected by the bureau, your credit score is typically updated in the next reporting cycle, which can result in a visible improvement within 30 to 45 days.
Is ZET Fixit safe to use with my credit bureau data?
Yes. ZET Fixit accesses your credit bureau data securely and only uses it to identify errors in your report. ZET does not share your personal or financial information with third parties without consent. The platform uses secure data handling practices to ensure your information is protected throughout the dispute process. ZET Fixit is part of the ZET app, which is trusted by over 10 lakh users in India and operates in partnership with RBI-regulated banks including SBM Bank India, DCB Bank, and Indian Overseas Bank.
What types of errors can ZET Fixit find and fix in a credit report?
ZET Fixit helps users identify and resolve a range of credit report errors. These include unrecognised accounts that you did not open, fake loans fraudulently linked to your name, incorrect payment remarks such as missed payments that were actually made on time, and closed accounts that are still incorrectly listed as active. Even small errors of this kind can significantly lower your credit score and affect your ability to get loans or credit cards. ZET Fixit makes it easy to spot and dispute each of these errors.
How do I use ZET Fixit to dispute a credit report error step by step?
To use ZET Fixit, open the ZET app and navigate to the ZET Fixit section. The tool scans your credit report and identifies potential errors or inaccuracies. For each error found, ZET Fixit provides step-by-step instructions for raising a dispute with the relevant bank or credit bureau. It also sends reminders to keep the process on track and provides status updates throughout. Most disputes are resolved within a few weeks, and ZET Fixit keeps you informed at every stage until the error is corrected.
What kind of credit report errors can silently lower my credit score?
Several common credit report errors can drag down your credit score without you realising it. These include accounts you never opened due to identity fraud, loans incorrectly linked to your name, late payment remarks on bills you actually paid on time, and closed loans or credit cards still showing as active or outstanding. Each of these errors signals negative financial behaviour to credit bureaus, reducing your score. ZET Fixit is designed to surface and help you fix exactly these kinds of silent errors.
Does ZET Fixit work with all credit bureaus in India?
ZET Fixit helps you raise disputes with the relevant credit bureau or bank responsible for the error in your report. India has four main credit bureaus: CIBIL, Experian, Equifax, and CRIF High Mark. ZET Fixit guides you through the dispute process regardless of which bureau holds the incorrect information. The ZET app primarily shows your Experian score, but ZET Fixit supports resolution of errors that may affect your report across bureaus, since lenders often check multiple bureau records.
Can fixing errors with ZET Fixit help me get a loan approved faster?
Yes. An accurate credit report with no errors gives lenders a true picture of your financial behaviour, which can speed up loan approval and improve the terms offered. If your credit report contains unrecognised accounts, fake loans, or incorrect payment remarks, lenders may view you as high-risk and reject your application. ZET Fixit helps remove those inaccuracies, which can raise your credit score, reduce perceived risk, and make you eligible for faster approvals, higher loan amounts, and lower interest rates.
What is the difference between ZET Fixit and checking my credit score manually?
Checking your credit score manually shows you your current score and a summary of your report, but it does not help you act on errors. ZET Fixit goes a step further by actively scanning your report for specific errors such as fake accounts, incorrect remarks, or outdated information, and then guiding you through the steps to dispute and correct each one. While manual checks are passive, ZET Fixit is an action-oriented tool that turns error identification into resolution with step-by-step support and reminders.
