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STARTING OUT
Starting without much credit history?
You may have little or no credit history, making it harder to understand which responsible first-credit options may be appropriate for you.
YOUR CREDIT · YOUR NEXT CHAPTER
Build better credit.
Build better credit.
Move forward with confidence.
Whether you're starting your credit journey or trying to improve an existing credit profile, ResolveEMI helps you understand where you stand and what steps you can take next.
Get structured credit-building guidance, review your financial obligations and follow a personalised action plan designed around your situation.
Personalised guidance • Clear next steps • Progress tracking
EVERY CREDIT JOURNEY IS DIFFERENT
Where does your journey begin?
Some people are trying to establish their first credit history. Others already have loans or credit cards but need a clearer understanding of their credit health. ResolveEMI brings both journeys together.
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STARTING OUT
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HEALTH REVIEW
Managing existing credit challenges?
High credit utilisation, missed payments, unclear obligations or possible errors in your credit report may leave you unsure about what to address first.
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NEXT STEPS
Not sure what to do next?
Understanding your credit report is only the beginning. Knowing which actions to prioritise and how to track progress can help you make more informed decisions.
TWO PATHWAYS · ONE SERVICE
BUILD it. Or IMPROVE it.
Two entry points into the same ResolveEMI service — your assessment directs you to the pathway that matches where you are today.
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BUILD — Start your credit journey
For new-to-credit and thin-file customers with little or no credit history.Understand how credit works and take informed steps towards establishing a credit history. ResolveEMI BUILD provides a personalised credit-building plan, milestones, payment reminders and guidance on responsible credit utilisation.
A personalised credit-building plan and milestones.
Guidance on suitable entry-level or secured credit products offered by partner lenders.
On-time payment reminders and credit-utilisation guidance.
A progress tracker to help you understand your readiness for future borrowing.
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IMPROVE — Understand and improve your credit health
For existing borrowers with weak or declining credit health, high utilisation or missed payments.Get a clearer picture of your existing credit profile and understand which actions may help you manage your obligations more effectively. ResolveEMI IMPROVE combines consent-based credit-report review, obligation tracking and personalised repayment planning.
Consent-based credit-report review and a credit-health dashboard.
An overview of existing obligations and EMIs.
Guidance on identifying and raising potential credit-report errors or disputes.
Personalised action planning and repayment prioritisation.
Periodic credit-health reviews and progress tracking.
One service, two doors. BUILD and IMPROVE are not separate products — they are two ways into ResolveEMI. Your assessment routes you to the relevant pathway, subject to the actual onboarding process.
WHAT YOU RECEIVE
More than a credit score. A clearer plan.
Credit health is influenced by multiple factors. ResolveEMI helps you understand your position, organise the information that matters and work through practical next steps.
Understand Your Credit Profile
Review relevant credit-report information, where available and with your consent, through a clearer dashboard.
Organise Your Obligations
Bring your existing EMIs and credit obligations into a more understandable overview so you can review what needs attention.
Know What to Prioritise
Receive a personalised action plan that helps you identify practical steps based on your reported situation and service assessment.
Build Healthier Credit Habits
Understand the importance of on-time payments, responsible credit utilisation and monitoring your credit information.
Track Your Progress
Use progress tracking and periodic health reviews to understand the actions completed and the areas that may need further attention.
Prepare for Future Borrowing
As your circumstances and eligibility change, explore the appropriate next step through the relevant ShiftEMI or Start / New EMI pathway, where eligible.
HOW RESOLVEEMI WORKS
A clearer path, one step at a time.
From your first details to reviewing your progress — here's what working with ResolveEMI looks like.
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STEP 01
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STEP 01
Tell us about your situation
Share the relevant details about your credit history or existing financial obligations and provide the required consent.
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STEP 02
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STEP 02
Understand your starting point
Complete the relevant assessment so your credit-building or credit-health needs can be understood.
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STEP 03
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STEP 03
Get your personalised plan
Review the recommended actions, milestones and available service features relevant to your pathway.
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STEP 04
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STEP 04
Put the plan into practice
Work through your action plan, follow payment reminders where applicable and review the guidance provided.
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STEP 05
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STEP 05
Review your progress
Use progress tracking and periodic health check-ups to understand what has changed and what may need attention next.
Your next step: continue building your credit profile, or explore an appropriate lending pathway through the wider ShiftEMI platform when eligible.
WHY RESOLVEEMI
Understand your position. Focus on your next step.
Better understanding. Informed decisions. A clearer path to your credit goals.
Built Around Your Starting Point
A credit-building journey and a credit-health improvement journey need different kinds of guidance. ResolveEMI is designed to address both.
Practical, Action-Oriented Guidance
Move beyond general credit information with a structured plan, relevant milestones and steps you can work through.
Clearer Financial Visibility
Bring credit-report information and existing obligations into a more understandable view, where the required information and consent are available.
Progress You Can Review
Use progress tracking and periodic health check-ups to review your actions and reassess your next steps.
A Connected Financial Journey
As your needs change, the wider ShiftEMI platform can help you explore an appropriate financing or consolidation pathway when eligible.
Ready to begin?
Find out which pathway fits your credit journey.
Find My Pathway
CREDIT EDUCATION
Small financial habits. Better-informed decisions.
Good credit health is built through everyday habits. These are the principles your ResolveEMI plan is designed around — useful whether or not you subscribe.
Credit outcomes depend on multiple factors and take time. No single habit
guarantees a score increase — the goal is informed, responsible decision-making.
Make payments on time
Understand your payment obligations and use reminders to help you keep track of upcoming due dates.
Monitor credit utilisation
Learn how the amount of available revolving credit you use can affect your credit profile.
Review your credit information
Check your report for information that appears inaccurate or unfamiliar. Where appropriate, learn how to raise a dispute with the relevant credit bureau or reporting institution.
Borrow with a plan
Before taking on new credit, consider affordability, repayment commitments, interest costs and how the new obligation fits into your financial situation.
Review progress regularly
Revisit your action plan as your circumstances change. Credit outcomes depend on multiple factors and may take time.
PRICING & SERVICE INCLUSIONS
A clear service. Clear expectations.
ResolveEMI is a separately contracted service. Before you subscribe, review exactly what is included — and what will be confirmed before payment goes live.
Proposed · subject to finalisation
ResolveEMI
View Service Details
ResolveEMI
Credit Improvement Service
₹499
indicative subscription
(tenure & taxes to be confirmed)
(tenure & taxes to be confirmed)
Assessment-driven pathway — BUILD or IMPROVE, based on your starting point.
Personalised action plan with milestones.
Payment reminders and credit-utilisation guidance.
Progress tracking and periodic credit-health reviews.
Guidance support through your journey.
Final pricing, subscription duration, applicable taxes, cancellation terms and refund conditions will be published after the service scope and compliance review are complete.
Before you subscribe, the final pricing will clearly state
So you know exactly what to expect — no ambiguity at checkout.
- Whether the subscription includes BUILD, IMPROVE or a specific pathway.
- The subscription duration and the exact services included.
- Whether credit-report access, partner products or any third-party charges are additional.
- How progress reviews and support are delivered.
- Applicable taxes, cancellation terms and refund conditions.
- What you are paying for — separately from any lending product.
Please note: your subscription covers the specified ResolveEMI services. It is separate from any loan, credit card or other financial product offered by a partner. No countdown timers, false discounts or promises of a specific score improvement — ever.
GOOD TO KNOW
Questions about ResolveEMI?
Direct answers about the service, the two pathways and what ResolveEMI can — and cannot — do.
What is ResolveEMI?
ResolveEMI is a credit-building and credit-health improvement service. It provides structured guidance for people starting their credit journey and for existing borrowers who want to better understand their credit profile and obligations.
What is the difference between BUILD and IMPROVE?
BUILD is intended for people with little or no credit history. IMPROVE is designed for existing borrowers who want to understand their credit health, organise obligations and work through a personalised improvement plan.
Will ResolveEMI increase my credit score?
ResolveEMI can provide guidance and tools to help you work on your credit health, but a credit-score increase cannot be guaranteed. Your credit profile is affected by your financial behaviour, reported information and the policies of the relevant credit bureau.
Can ResolveEMI remove negative entries from my credit report?
ResolveEMI can guide you on identifying potentially inaccurate information and raising a dispute with the relevant institution. Accurate negative information cannot simply be removed on request, and the outcome of a dispute depends on the review process.
Will I get a loan after completing ResolveEMI?
No loan approval is guaranteed. When you are eligible, you may explore suitable options through the relevant lending partners and the ShiftEMI or Start / New EMI pathways.
Does ResolveEMI provide loans directly?
No. ShiftEMI Credit Solutions facilitates access to financial products through relevant partners. Lending decisions, approvals and disbursals are made by the applicable lending institution.
Do I need an existing credit score to use ResolveEMI?
Not necessarily. The BUILD pathway is designed for customers with little or no credit history, while IMPROVE is intended for customers with an existing credit profile or credit-health concerns.
What happens to my financial information?
We explain what information is collected, why it is required, how it is used, and which third parties may receive it. Credit-report access and other relevant processing follow the required consent and privacy procedures.
YOUR CREDIT JOURNEY CAN START HERE
You don't have to figure it out alone.
Start by understanding your current position and identify the actions that make sense for your circumstances.
Find My Pathway
Start with BUILD or IMPROVE based on your credit history and current needs.
Credit outcomes and lending eligibility depend on individual circumstances. No particular score improvement or loan approval is guaranteed.
Important information: ResolveEMI is a proposed credit-building and credit-health improvement service offered by ShiftEMI Credit Solutions as a separately contracted service. It is not a lender, and it does not provide loans, guarantee credit-score improvements or promise the removal of accurate credit-report information. Service features, subscription pricing (indicatively ₹499), tenure, taxes, cancellation and refund terms are subject to finalisation and compliance review before publication. Credit-report access is processed only with appropriate consent and in line with applicable privacy requirements. Lending products, where explored later, are offered by the relevant regulated financial partners, whose assessment, approval and terms apply.