Established in 2010 CreditSudhaar currently has a client base in 217 cities.
CreditSudhaar offers credit and financial tools including free credit scores, credit monitoring, credit score simulators to its clients. CreditSudhaar also provides customers with a wide range of analytical assessments to the users helping them to have an in-depth understanding on their credit status. The Credit simulator helps the user to check the impact of various credit actions on their credit health. Headquartered in Mumbai, CreditSudhaar has offices in Delhi and Bangalore and has an employee strength of 150 people.
CreditSudhaar was founded by Arun Ramamurthy and Gaurav Wadhwani. Arun Ramamurthy, a management graduate from Indian Institute of Management – Kolkata also holds a bachelor's degree in economics. Gaurav Wadhwani is alumni of Management Development Institute – Gurgaon.
The Business model revolves around providing free scores to users. The cost of offering free credit reports and scores is offset by One by revenues from advertising, fees received from banks on matching consumers with the bests offers on loan products. The company also provides credit health advisory services to clients who have a poor credit profile.
CreditSudhaar attempts to analyze credit report data for customer and matches it with the various products available with lenders and insurance companies.
It offers not for profit services to promote credit and financial literacy in India.