Frequently Asked Questions
No jargon. No fine print. Just clear answers to everything you want to know.
Trust & Security
ExitDebt is a registered debt advisory platform. We don't ask for your bank password. We don't move your money. We only read your credit report to show you where you're overpaying.
No. We perform a soft credit check. This has zero impact on your Equifax score. Only hard inquiries from loan applications affect your score.
Your PAN is hashed instantly using SHA-256. We never store your raw PAN. All data is encrypted with bank-grade AES-256 encryption and auto-deleted after 30 days.
No. We only read your credit report from the bureau. Your bank is never contacted or notified. This is completely private.
Yes! Every new user gets a free 3-month trial with full access to the debt health dashboard and all 7 intelligence tools. After the trial, you can choose from Lite (₹499/month), Shield (₹1,999/month), or our one-time Settlement service.
About ExitDebt
Debt restructuring is a process where you negotiate with lenders to modify your existing loan terms — typically to lower the interest rate, extend the tenure, or consolidate multiple debts into one manageable EMI. It is a fully legal process recognized by the RBI.
It depends on your debt profile. Dashboard users typically save ₹30,000–₹80,000/year through optimized payments. Settlement users can save significantly more — we negotiate directly with creditors to reduce your total outstanding debt.
It's a proprietary score (0–100) that measures your overall debt wellness. It considers your debt-to-income ratio, average interest rates, number of active accounts, credit utilization, and payment regularity. Higher is better.
Freedom GPS shows you how many months until you're completely debt-free on your current path, and how many months you could save by optimizing your payments. It's your roadmap to ₹0 debt.
You'll see your complete dashboard with actionable insights. You can continue with our free trial for 3 months. After that, choose Lite for ongoing dashboard access, Shield for harassment protection and creditor negotiation, or our Settlement service for full debt negotiation.
Still have questions?
Our experts are happy to answer anything — no obligation, no pressure.