Since you have already obtained your credit reports, you need to move forward and analyse what has gone wrong. If three accounts are not clear, then you need to check why and if there is any payment to be made, you need to do it. Remember, you will also have to pay interest in order to have a completely clear credit report. If you have settled your dues in the past, this is going to affect your credit score.

If you want any detailed advice from us, you will need to share your report with our counsellors. This, as you know, is FREE Counselling from a not-for-profit foundation and you have no worries about being chased by any collection agents. You can come in person, or email it to us and we can forward it to them for advice on your behalf.

As for your second wish of improving your CIBIL score ASAP - we have no such quick fix remedy. Depending on your credit report and your current borrowings (for instance whether you make timely payments on your credit card and post-paid telephone bills) you will be able to rebuild your score. Or by having timely payments on a fresh loan.

We can only help you further when we have more details. Trust you have found this feedback useful.