I filed my ITR back in May, but the refund is still pending. Has anyone who filed around the same time received a refund, especially for amounts above ₹1 lakh? Typically, how long does the Income Tax Department take to process such refunds?

How can I increase my credit score from 540 up to 727 using debt disputes, negotiation, and a repair service? What is the most effective tactic, and are there any ethical concerns about disputing debts or using such services?