FAQs on Credit, Loans & Debt Relief | Fliint

Question 1

How long does it take to improve my CIBIL score?

Accepted Answer

Most clients see meaningful improvement within 3–6 months, with significant results by 12 months. The timeline depends on your starting score, the type of negative entries, and how quickly lenders update their records. We'll give you a realistic estimate after your free consultation.

Question 2

Can you guarantee a specific score?

Accepted Answer

No ethical credit advisor can guarantee a specific score — anyone who does is misleading you. What we can guarantee is a structured, proven process and honest guidance throughout. We'll show you exactly what's possible based on your specific credit profile.

Question 3

Will settling my loans hurt my score further?

Accepted Answer

In the short term, a settlement can cause a small dip. But leaving bad debt unresolved causes ongoing damage. Our approach sequences settlements strategically to minimise short-term impact while maximising long-term score recovery.

Question 4

Is this service legal and RBI-compliant?

Accepted Answer

Yes. Fliint provides advisory services only. We help you understand your rights, negotiate with lenders on your behalf, and guide you through legal channels. We do not engage in any practices that violate RBI guidelines.

Question 5

What documents do I need to get started?

Accepted Answer

Just your PAN card and a recent credit report (we can help you pull one for free). That's enough for the initial consultation. We'll tell you what else we need once we've reviewed your situation.

Question 6

How much does it cost?

Accepted Answer

Your initial consultation is completely free. Our service fees depend on the complexity of your case and the services required. We'll give you a clear, transparent quote after the consultation — no hidden charges.

Question 7

Will the bank actually agree to settle for less?

Accepted Answer

Yes — more often than people expect. Banks and NBFCs have dedicated settlement teams for delinquent accounts. They would rather recover 40–60% than nothing. The key is knowing how to approach them and what to offer. That's where Fliint's experience makes the difference.

Question 8

How much can I expect to save?

Accepted Answer

Typical settlements range from 40–60% of the outstanding principal, though this varies significantly by lender, loan type, how long the account has been delinquent, and your financial situation. We'll give you a realistic estimate after reviewing your case.

Question 9

What happens to my credit score after settlement?

Accepted Answer

Your credit report will show the account as 'Settled' rather than 'Written Off' or 'Defaulted'. This is a negative mark, but it's better than leaving the account unresolved. After settlement, Fliint can help you rebuild your score through our Credit Improvement program.

Question 10

Can I settle if I'm still making partial payments?

Accepted Answer

Yes, though lenders are generally more willing to negotiate on accounts that have been delinquent for 90+ days. We'll assess your specific situation and advise on the best timing and approach.

Question 11

Do I need to have the full settlement amount ready?

Accepted Answer

You'll need a lump sum, but it doesn't have to be ready before we start. We begin negotiations first, agree on a target amount, and then you arrange the funds. In some cases we can negotiate a short payment window of 2–4 weeks.

Question 12

What if I have multiple loans to settle?

Accepted Answer

We handle multi-loan cases regularly. In fact, settling multiple loans together can sometimes give us more leverage in negotiations. We'll prioritise based on which accounts are causing the most damage and which lenders are most likely to settle.

Question 13

What counts as illegal harassment by a debt collector?

Accepted Answer

Under RBI's Fair Practices Code, illegal harassment includes: calls outside 8 AM–7 PM, threatening or abusive language, contacting your family or employer, unannounced physical visits, and misrepresenting the amount owed. Any of these is a violation you can act on.

Question 14

Will reporting harassment affect my loan case?

Accepted Answer

No. Reporting violations of the Fair Practices Code is your legal right and cannot be used against you in any loan proceedings. In fact, documented harassment can strengthen your position in settlement negotiations.

Question 15

Can I stop all contact from the lender?

Accepted Answer

You can request that all communication go through a designated representative (like Fliint). Once you do this in writing, the lender must comply. We help you draft and send this request.

Question 16

What if the calls are from a third-party recovery agency?

Accepted Answer

The lender is responsible for the conduct of any recovery agency they hire. Violations by the agency are violations by the lender. We escalate to the lender directly and, if needed, to the RBI Ombudsman.

Question 17

How quickly can you stop the calls?

Accepted Answer

In most cases, a formal legal notice from Fliint stops the harassment within 24–72 hours. Lenders know that documented violations carry serious regulatory consequences.

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