Frequently Asked Questions & Refund Terms
Everything you need to know about our advisory service, credit score updates, and refund eligibility.
Q1. What is Bornaliz Credit Health Advisory Service?
We are a professional credit health tracking platform that analyzes your CIBIL score, identifies negative remarks or errors in your credit history, and guides you with customized action plans to reach 750+ credit score.
Q2. How long does it take to see improvements in my credit score?
Credit bureaus (CIBIL, Experian, Equifax, CRIF High Mark) update data every 30 to 45 days. Depending on the corrective actions taken (reducing card balance, clearing late dues, or disputing errors), score updates typically reflect within 30 to 60 days.
Q3. Does checking my score through Bornaliz affect my CIBIL score?
No! Checking your credit score through Bornaliz is classified as a "Soft Inquiry" and has 0% impact on your credit score.
Q4. What is the Refund Policy?
Clients who subscribe to our advisory plans can request a refund within 7 days of purchase under the following conditions:
- If the service has not been initiated by an advisor.
- If there is a technical error resulting in duplicate payment.
To request a refund, please visit our Refund Request Form. Refund processing takes 5-7 business days.