One month Back I visited creditsudhar.com within next 24 hours I received a call from them they invite me to join a plan charged 5000/- per year. I asked them why should I pay such amount what will you do with my credit score how can you improve my cibil score? I gotta know they will call me time to time and will guide where I have to spend money and that spendings will help me to improve score.i don’t find this useful. May be it have tie-up with cibil experian but things are not transparent. According to RBI Credit Beauro Never track your spendings they only have data about your credit, If you are paying your emi and bills on time your Credit Score will improve automatically.