Help & FAQ

MyFinWell combines AI-driven analysis with human credit experts to review information such as your payment history, credit utilization, credit age, income stability, and existing obligations. We use this to estimate your readiness for home ownership and to design a rehabilitation plan if needed.

We do not make lending decisions or guarantee any outcome with a bank. Our role is to help you understand and improve your profile before you apply anywhere.

No. MyFinWell is not a bank or lender and does not provide loan approvals or rejections. Any final decision about a loan is always made by the lender you choose to apply to.

We focus on your financial wellness and credit readiness so that when you decide to approach a bank, you know your strengths, risks, and the actions you can take to improve your chances.

To complete your readiness assessment, you'll typically need to upload:

• Identity proof (Aadhaar, PAN card)
• Address proof (utility bill, rental agreement)
• Income proof (salary slips, bank statements, Form 16)
• Property documents (if applicable)

All documents should be clear, valid, and in PDF, JPG, or PNG format (max 10MB per file). Your human analyst will review them as part of your assessment.

Yes. We use strong encryption to protect your data in transit and at rest. Your documents are stored securely and are only shared with third parties (such as lenders) with your explicit consent.

We are a financial wellness platform and treat your information in line with our Privacy Policy and data protection obligations. You remain in control of when and where your data is used for actual loan applications.

You can use MyFinWell to understand how your profile typically compares to different lender benchmarks (for example, typical score ranges, income ratios, and documentation expectations).

Any visualizations or \"fit\" indicators in the product are informational only and do not represent real-time offers, approvals, or commitments from any bank.

Our Credit Rehabilitation Program provides personalized strategies such as:

• Reduce credit utilization below 30%
• Maintain 100% on-time payment history
• Avoid new credit applications for 3-6 months
• Keep old accounts open to improve credit age
• Review and dispute any errors in your credit report

Use our Credit Simulator to see how different actions affect your score.