Services - athenacredxpert

Score monitoring, error correction & bureau disputes

Credit Pulse

Know your credit health — before you fix it

Credit Pulse is Athena CredXpert's entry-level credit health assessment solution. It is designed for individuals who want to quickly understand their Credit Report and Credit Score without requiring extensive consultation or intervention. The service analyses the customer's Credit Report and highlights the most important factors affecting their overall credit health. It converts complex credit information into easy-to-understand insights and actionable recommendations. This product serves as a diagnostic tool, enabling customers to identify potential issues before applying for loans or credit cards.

The Problem

Most people have no idea what's in their credit report — let alone across all 4 bureaus. Blind spots lead to rejected loans and higher interest rates.

Errors going unnoticed for years
Fraudulent accounts or unauthorised inquiries
No expert to interpret raw credit data

What's Included

Quick analysis of your Credit Report and Score along with actionable recommendations
Identify red flags affecting your Credit Score
Fraud & identity risk check
Understand what is holding you back from loan approvals
One-time expert diagnosis of your credit health

Individuals

₹99 + 18% GST

Repair

We show you the path — you walk the path

Repair is a personalized credit advisory service designed for Individuals and Non-Individuals who want to better understand their Credit Report and improve their credit profile. The service provides a detailed analysis of the Credit Report, identifies factors affecting the Credit Score (for Individuals) or Credit Rank (for Non-Individuals), and offers tailored recommendations and a step-by-step strategy to help customers independently strengthen their credit health and improve their borrowing eligibility.

The Problem

Most people don't know what's dragging their credit score down. Errors, outdated records, unreported settlements — they silently hurt your financial standing.

Outdated negative remarks still affecting score
No clear roadmap for credit improvement
Rejected applications without knowing why

What's Included

Analyse and comprehend the Credit Report
Personalized recommendations for Credit Report and Score/Rank improvement
Report Insights and Recommendations
Provide client-centric strategies

Individuals

₹1500 + 18% GST

Repair+

We show you the path — and walk with you

Repair+ is Athena CredXpert's end-to-end credit repair service designed for Individuals and Non-Individuals who prefer expert assistance throughout the credit improvement process. In addition to all the features of Repair, the service includes hands-on execution, where our team communicates with lenders and Credit Information Companies (CICs), raises disputes, prepares necessary documentation, and manages follow-ups on the customer's behalf to help resolve credit-related issues efficiently and improve their credit profile.

The Problem

Complex credit issues involving multiple bureaus, disputed accounts, and lender miscommunication require professional intervention. DIY approaches often fail.

Multiple disputed accounts across bureaus
Lenders not updating corrected records
Complex cases needing bureau escalation

What's Included

All features of Repair and full hands-on execution
Raise disputes with Credit Bureaus on client’s behalf
Direct lender & bureau coordination
Prepare and analyse emails / documents for Lenders & Credit Bureaus
Follow-up throughout the process

Individuals

₹4500 + 18% GST

Lender partnerships, borrower support & employee wellness programs

Credit Pulse

Turn Rejected Applications into Future Lending Opportunities

A significant percentage of loan applications are rejected due to poor Credit Scores, adverse credit behaviour, high utilisation, multiple enquiries or other Credit Report-related issues. In most cases, borrowers are informed of the rejection but are not provided with a clear understanding of why the application was rejected, what is affecting their Credit Score, or what actions can improve their eligibility.

The Challenge

As a result, lenders lose potential future customers while borrowers remain unaware of the corrective steps required.

Why the application was rejected
What is affecting their Credit Score
What actions can improve their eligibility

How Credit Pulse Supports Lenders

5 Stages

rejected borrower journey

Application Rejected → Credit Pulse Analysis → Actionable Recommendations → Credit Improvement → Future Requalification

Instead of losing a customer permanently, lenders can provide a structured pathway for borrowers to improve their credit profile and reapply in the future.

The Credit Pulse Solution

Credit Pulse is a Credit Report analysis platform that converts complex Credit Reports into simple, actionable insights
Problem accounts
Adverse information
High credit utilisation
Key factors affecting the Credit Score
Easy-to-understand recommendations that help borrowers understand and improve their credit profile

Key Benefits

Improved borrower engagement
Better customer experience
Increased transparency in rejection journeys
Potential future conversion of rejected applicants
Enhanced financial awareness among borrowers
Seamless integration into lender onboarding and rejection workflows

Partner With Us

Financial Literacy & Credit Counselling (FLCC)

Structured Support for Borrowers Requiring Sympathetic Consideration

Traditional collection and recovery mechanisms are designed to manage routine delinquency and recovery processes. However, certain borrowers experience genuine financial distress and require a more balanced and contextual approach. In such cases, recovery efforts alone may not deliver the most effective borrower outcomes.

The Challenge

Borrowers facing genuine financial distress need support beyond standard recovery processes.

Routine recovery may not suit distressed borrowers
Limited contextual financial review in standard workflows
Missed opportunity for responsible borrowing guidance

Our Approach

5 Steps

structured approach

Step 1: Borrower Identification — Cases identified by the institution for sympathetic consideration.
Step 2: Consent & Assessment — Structured engagement and borrower assessment.
Step 3: Credit Counselling — Detailed counselling focused on financial behaviour, obligations and available options.
Step 4: Counselling Report — Preparation of a structured Credit Counselling Report.
Step 5: Financial Literacy — Periodic educational resources and awareness initiatives.

The FLCC Framework

Athena CredXpert's FLCC Framework provides HFCs and Financial Institutions with a structured mechanism to support borrowers
Financial literacy
Credit counselling
Contextual financial review
Practical guidance and recommendations

Key Benefits

Supports regulatory expectations
Enhances borrower engagement
Encourages responsible borrowing behaviour
Improves financial awareness
Strengthens customer relationships
Supports financial inclusion initiatives

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Credit Health Camp

Supporting Employee Well-Being Through Credit Awareness

Financial stress can have a significant impact on employee well-being, productivity, and overall workplace engagement. Despite regularly using credit products such as loans and credit cards, many individuals have limited understanding of Credit Scores, Credit Reports, and the long-term impact of credit behaviour. Athena CredXpert's Credit Health Camps are structured employee awareness programs designed to help organizations improve financial literacy, promote responsible credit behaviour, and support employee financial well-being through practical credit education.

The Challenge

Many employees lack understanding of Credit Scores, Credit Reports, and how credit behaviour affects their financial health.

Financial stress impacting productivity and engagement
Limited awareness of credit products and scores
Unclear long-term impact of borrowing decisions

Program Overview

2 Formats

online & on-site

Structured employee awareness programs that combine practical credit education with actionable guidance for responsible borrowing.

Available in both online and on-site formats to fit your organization's wellness and engagement initiatives.

Why Organizations Conduct Credit Health Camps

Promote Financial Wellness — Help employees better understand and manage their financial health.
Reduce Financial Stress — Enable employees to make informed credit decisions and avoid common credit-related issues.
Support Employee Well-Being — Financially aware employees are often better equipped to manage personal financial challenges.
Strengthen Employee Engagement — Provide meaningful and practical learning initiatives that directly benefit employees.
Encourage Responsible Financial Behaviour — Promote greater awareness of Credit Scores, Credit Reports, and borrowing practices.
Complement Existing Wellness Programs — Integrate seamlessly with broader employee wellness and engagement initiatives.

Key Benefits

Supports employee financial wellness initiatives
Helps reduce financial stress through awareness and education
Encourages responsible borrowing and credit behaviour
Improves employee understanding of Credit Scores and Credit Reports
Enhances employee engagement and financial well-being programs
Available in both online and on-site formats

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Our Services

Credit Pulse

Repair

Repair+

Credit Pulse

Financial Literacy & Credit Counselling (FLCC)

Credit Health Camp