I had settled 4-5 credit cards few years back due to my financial crunch & the status of those were updated as PO (WRITE OFF SETTLED), Because of this status when ever I tried applying for a personal loan my loan application was rejecting & then I got to know about debt doctor, I was little skeptical in the beginning to approach them and to disclose my details, however I walked in and discussed with one of their advisors about my situation, they went carefully through all my accounts and approached the banks with whom I had settled on my behalf.
After this they gave me a detailed work sheet on the amounts to be paid to the bank to change the status and some feedbacks on how to improve my credit record, I was satisfied with the explanation I was asked to engage in their services to start and wrote out cheques to different banks as advised by Debt Doctor. After making those payments , I obtained a new CIBIL report after 4 months. I am happy to see that the status of all the settled accounts are changed to closed and I feel more positive when I see my report now. I thank Debt Doctor for helping me to get the status changed and solve this issue so easily. Cheers