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We are pioneer in Credit Repair Business in India to provide quality services to each and every one at their doorstep with our presence in PAN India level.
We emphasize on data and advance
technology to assist you to be credit healthy.
1.

Get your Credit Score
Get your Master Credit Report with Credit Score.
2.

Online in Detail Evaluation
Assist you to understand the Credit Information from the Credit Report and advice you to address your negative flag.
3.

Pragmatic Measures
Assist you with personalized counseling to help you to take action to improve credit score and remove negative flags.

Apoorvaa Foundation emerged out of the need to address the challenges of credit issue and repair as an NGO.
It was the time when Mr. Apurva Bhagat observed creditworthiness (credit score) as an emerging factor in banking and financial industry and plays a major role in lending decisions. Hence, Mr. Apurva Bhagat has initiated Apoorvaa Foundation with a mission to uplift people to live with financial freedom through financial education, and debt resolution and that is how the unique concept of Credit Repair came in India and now serves as an aim to ensure to build a Credit Healthy Nation.
21
Years of Finance
Industry Experience
90
Associated
Banks
650
Bank and
CA Seminars
3000
Members & Associated
Professional Members
50000
Hours of
Training
100000
Satisfied
Customers
Respected Customers Feedback
I am really happy for my CIBIL score. With the help of Apoorvaa Foundation, I got credit report in a day. Their credit expert has not only made me understand my CIBIL report but also provided tips for maintaining my good credit health. Company has very knowledgeable team and counselors are very helpful to me. Now I am credit healthy and can get loans.
PARTH PATEL
I came to know about Credit Counseling Services when I was going to inquire about how to improve/rectify CIBIL report. The approach and support of team is really appreciable which increased my credit score and now I know how to maintain the CIBIL score and also APOORVAA FOUNDATION helped me to clear all my settling cases which will make my complete CIBIL account healthy and clear. Thanks Credit Counseling team.
RAMAN PATEL
Very professional and expert service by Mr.Apurva Bhagat and team. I was facing credit report problem since 3 years but no one in Gujarat helped me to get rid from this problem. Mr. Apurva Bhagat helped me to get rid from this problem and I become a credit healthy and loan eligible. Thank you very much Mr.Apurva Bhagat and his team.
KARTIK DAVE
Our company had problem of company credit report. Bank sends wrong data to CIBIL and by professional help of Mr.Apurva Bhagat and his guidance helped us to rectify this issue. We are facing a problem of renewal of our cash credit limit; bank gave us notice to update these from CIBIL. We were facing this problem since 3 years but Mr. Apurva Bhagat solved it within 45 days. Thanks a lot; we are heartily thankful to Mr.Apurva Bhagat and his team.
NIKHIL BHAVNANI
21
States
90
Cities
108
Branches
Apoorvaa Talks is an initiative by Apoorvaa Foundation which is Best National Magazine for Whistle Blower
Latest Blog

- 22/09/2025
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Recent News on Banking Frauds

- 22/09/2025
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Credit Score - A Crucial Aspect in Banking and Finance Job Applications

- 22/09/2025
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GST and Beyond: Essential Tax Moves Every Indian Small Business Owner Should Know

- 22/09/2025
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Financial Resilience Strategies for Business Survival

- 22/09/2025
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Indian banks have written off ₹10.6 lakh crore over the past five years, with half of this amount associated with large corporations

- 22/09/2025
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Reclaiming Funds Lost in UPI or Banking Fraud: A Step-by-Step Guide

- 22/09/2025
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Monetary Policy Decision: RBI's Panel Maintains Unchanged Repo Rate Despite Upward Revision in Growth Outlook

- 22/09/2025
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Reading Resolutions: A Curated List of Books to Enrich Your Mind in 2024

- 22/09/2025
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Latest News on GST

- 22/09/2025
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The Art of Decision-Making: A Guide for Business Leaders

- 22/09/2025
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Non-Banking Financial Companies (NBFCs) and Financial Inclusion: Addressing Disparities in Underserved Markets

- 22/09/2025
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How to retrieve unclaimed funds from Fixed Deposits (FDs) and savings bank accounts

- 22/09/2025
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RBI's Dual Initiative: Modernizing Money Changer Authorization and Extending Fair Lending Practices

- 22/09/2025
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The Impact of Technology on Modern Relationships: Challenges and Opportunities

- 22/09/2025
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A Decadal Shift in Banking Frauds and a Call for Vigilance

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A Crucial Aspect in Banking and Finance Job Applications

- 22/09/2025
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Celebrate a Safe and Colorful Holi: Tips for a Joyous Festival

- 22/09/2025
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RBI's Measures on Paytm: Likely Reasons, Impacts, and the Fate of Your Funds

- 22/09/2025
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Strategies for improving your credit score

- 22/09/2025
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Taxation in Interim Budget 2024

- 22/09/2025
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Creating a Positive Organizational Culture: A Key to Long-term Success

- 22/09/2025
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Interim Budget Highlights 2024

- 22/09/2025
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ICICI Bank has recently made adjustments to 21 of its credit cards, diminishing benefits and instituting a minimum card usage condition for access to airport lounges

- 22/09/2025
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Electoral Bonds Matter: State Bank of India Witnesses Significant Drop in Share Value Following Supreme Court Criticism

- 22/09/2025
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Essential Tips for Credit Newcomers

- 22/09/2025
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the Dynamics of GST Cess and Compensation

- 22/09/2025
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Scaling Up: Challenges and Strategies for Seamless Startup Growth

- 22/09/2025
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Addressing India's Locker Crisis: Opportunities and Regulations in the Safe Deposit Storage Market

- 22/09/2025
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Paytm in Talks to Leading Banks to Shift Merchant Accounts from Payments Bank

- 22/09/2025
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RBI's Crackdown: Ensuring Financial Integrity in Credit Card Transactions and P2P Lending Platforms

- 22/09/2025
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Summer Glow: A Holistic Guide to Wellness – From Skin Care to Self-Care

- 22/09/2025
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In FY23, the RBI Ombudsman received more complaints against private banks and CIBIL

- 22/09/2025
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Understanding CIBIL Rank and Commercial Credit Reports for MSME Growth

- 22/09/2025
- Admin
Business Wisdom from the Bhagavad Gita: Applying Ancient Principles to Modern Entrepreneurship

- 22/09/2025
- Admin
The Worldline India report shows that the number of UPI transactions is rising, but the average ticket size is falling

- 22/09/2025
- Admin
RBI declines two small finance bank applications

- 22/09/2025
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RBI's recent monetary policy decision to keep the repo rate steady at 6.5%

- 22/09/2025
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Your Comprehensive Guide to Vacation Planning and Tips

- 22/09/2025
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Digital Preference: Rising Costs for Banks

- 22/09/2025
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RBI Halts Kotak Mahindra Bank's New Customer Additions Due to Compliance Failures

- 22/09/2025
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The Future of Credit Scoring in India: Innovations Shaping Tomorrow's Credit Profiles

- 22/09/2025
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The Supreme Court is expected to consider petitions challenging the 28% GST on online gaming in July

- 22/09/2025
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Strategies for Building a Robust Workforce

- 22/09/2025
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Indian Banking Sector Achieves Historic Net Profit of Over Rs. 3 Lakh Crore in FY24

- 22/09/2025
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RBI Guidelines: The Path to Universal Banking for Small Finance Banks

- 22/09/2025
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Transitioning Back to School and Office Routine Post-Summer Holiday

- 22/09/2025
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Addressing Toxicity in Banking: A Call for Change

- 22/09/2025
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Myth V/S Reality - How Credit Inquiries Really Affect Your Credit Score

- 22/09/2025
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Unfair GST demand recovery now requires prior approval from higher authority within 3 months

- 22/09/2025
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Recognizing the Signs of a Toxic Work Culture and Cultivating a Healthy Work Environment Through Leadership

- 22/09/2025
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Financial Changes and Preparations for July 2024

- 22/09/2025
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Exploring the Impact of 'Credit on UPI' and Emerging Loan Trends

- 22/09/2025
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RBI Eases Restrictions on Investments in Foreign Funds

- 22/09/2025
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Comprehensive Guide to Monsoon Care for Health, Home, and Garden

- 22/09/2025
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The Rise of 'Digital House Arrest': A New Cybercrime Tactic

- 22/09/2025
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Understanding Credit Scores: Key Insights and Impacts

- 22/09/2025
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From Gen Z to Gen Alpha - Understanding the Future Customer

- 22/09/2025
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GST and Beyond: Essential Tax Moves Every Indian Small Business Owner Should Know

- 22/09/2025
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Smart Habits to Boost Your Credit Score and Build Financial Confidence in 2025

- 22/09/2025
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Are These 5 Habits Quietly Draining Your Savings in 2025?

- 22/09/2025
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Healthy Aging Starts Now– Tips for Every Decade

- 22/09/2025
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Smart Borrowing - A Guide to Small Personal Loans in India

- 22/09/2025
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Breathing Life into Dormant Accounts: RBI’s Push for Reactivation and Financial Inclusion

- 22/09/2025
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Home Decisions 2025: Should You Rent or Buy in Today’s Market?

- 22/09/2025
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RBI's Comprehensive Strategy to Combat the Surge in Banking Frauds

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