Your report should tell the truth. We make sure it does.
Credit score repair for individuals. CMR rank improvement for businesses. Fixed prices, honest limits, and every dispute backed by documentary proof — not promises.
01 · Sound familiar?
The situations we untangle every week.
If any of these reads like your last few months, you're exactly who we work with — and most of them are more fixable than they feel.
02 · What we do
Two services. One standard: corrections that hold.
Personal CIBIL score or company CMR rank — the method is the same. Find what's wrongly reported, dispute it with documentary proof, verify the correction, then rebuild.
Personal credit repair
CIBIL score repair through dispute-led rectification — wrongly open loans, incorrect balances, "settled" flags that should read "closed", and structured rebuild plans after a setback.
Explore personal credit repair →Business credit repair
CMR rank improvement and company credit report correction — so your borrowing record reflects actual repayment behaviour, not a reporting error.
Explore business credit repair →03 · How it works
Clarity first. Commitment second.
Every engagement begins with your own bureau report — the one you share with us, or the one we help you pull from the bureau's portal. We analyze it, share our review, and set expectations. Payment comes after that, not before.
Analyze
Your bureau report, read line by line. We share our review, what's fixable, what isn't, and your fixed price — before any payment.
Dispute & rectify
Disputes raised with bureaus and lenders through proper channels, backed by documentary proof — not just objections.
Verify
Every dispute tracked to closure and verified across bureaus. A fix isn't done until it shows on the record.
Rebuild & grow
A practical plan to grow from the corrected base — habits and structures that keep the improvement.
Said upfront, not in fine print
Accurate negative history cannot be deleted — by us or by anyone else. What can be fixed is everything that's genuinely wrong, and that alone moves more scores than most people expect.
Money-back promise
If the corrections we committed to aren't reflected within the committed 30–45 working-day window — and your case file is complete on your side — our refund policy applies. Read the full policy.
Grounded in regulation
Our dispute practice is built on the Credit Information Companies (Regulation) Act, 2005 (CICRA) — the law that gives you the right to an accurate report. Where a lender or bureau fails to resolve a genuine dispute, escalation follows the RBI's Integrated Ombudsman Scheme (RB-IOS).
04 · Pricing
One fixed price. Stated once. Kept.
Your price is stated in writing after we've reviewed your report and set expectations — and it never changes mid-engagement. No variables, no surprises.
Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.
- One bureau — CIBIL or any one of your choice
- Full analysis and rectification of that report
- Dispute-to-closure tracking with documentary proof
Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.
- All four bureaus — CIBIL, Experian, CRIF, Equifax
- Corrections matched and verified across every report
- Dispute-to-closure tracking with documentary proof
Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.
- Hunter list resolution
- Director report cleanup — de-linking accounts of companies you've exited
- Debt negotiations for waivers & settlements
- Other multi-entity or long-history cases
All prices exclusive of 18% GST. Your exact scope, timeline and price are stated in writing after the analysis, before you pay — and covered by our refund policy.
05 · Case studies
Real cases. Real numbers.
Documented outcomes from actual engagements — what was wrong, what was corrected, and where the score went.
Three lenders, four bureaus — one report finally telling the truth
A Shriram Transport guarantor account that wasn't his — removed when the lender couldn't produce a single supporting document. Muthoot gold loans marked "written-off" despite NOCs in hand — corrected. A Rhinofin overdue traced, foreclosed and updated. Every fix verified across CIBIL, Experian, Equifax and CRIF. The loan that followed: ₹16 lakh, approved.
By Smitha N · Credit AnalystThree delinquencies, two banks — one corrected rank
Brindha Cotton Mills couldn't secure loans at CMR 7. Analysis traced it to two Axis Bank accounts wrongly marked delinquent — and a third HDFC account, already cleared by the client, that the bureau hadn't updated. All three were disputed and corrected.
By Akshatha Shetty · Sr. Credit Consultant06 · The team
The people behind the corrections.
Every case at Kenstone Credit has one consultant's name on it, start to finish — the person who reads your report, files your disputes, and picks up when you call.
One case. One name. Start to finish.
The person on your case reads the report, files the disputes, and answers when you call.
Supraja
Sr. Credit Analyst
Srinidhi Babu
Credit Consultant
Meet the full team on the About page →
07 · Reviews
In their own words.
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We approached Kenstone when our company’s rank was 10. Ms. Cabrini handled our case, and within 30 days, our rank improved to 4. Great work by the team—thank you Kenstone.
Huge thanks to Smitha madam at Kenstone for helping me turn my credit score around. Her guidance was professional and direct, providing a roadmap that actually delivered. Be prepared for a bit of a wait while they coordinate with Banks and CIBIL, but the results are 100% worth the time. Five stars for their expertise and transparency!
Dear Team, Thank you for the prompt rectification of my CIBIL score issue. The entire process was very smooth and hassle-free. A special thanks to Vaidehi Madam for being extremely helpful, supportive, and responsive throughout the process. Her guidance made everything much easier. Truly appreciate the excellent service provided. Regards, Vidhya and Sivaramakrishnan
08 · Where we serve
Anywhere in India.
Our work runs over phone, email and secure document exchange — so where you live has never decided whether we can help.
Prefer to meet in person? Walk-ins are welcome — office details are on our contact page.
Pratirupa is the DPI sandbox of the Reserve Bank Innovation Hub (RBIH), a wholly-owned subsidiary of the RBI. Sandbox registration is a platform membership; it is not an RBI licence, endorsement or regulation of our services.
09 · Before you call
The questions everyone asks first.
Is credit repair legal in India?
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Can you remove an accurate default from my report?
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How much does credit repair cost?
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What does "money-back promise" actually mean?
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Do I need to buy my credit report before talking to you?
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How long does it take?
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Do you guarantee a specific score?
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How is Kenstone Credit related to Kenstone Capital?
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Latest
What BNI Bangalore’s members asked us about credit.
Close to 200 registrations at Stall M56, and seven questions asked almost word for word — answered. Read the write-up → · All news & events
Your report, reviewed before you pay a rupee.
Share your credit report — or we'll help you pull it from the bureau — and we'll tell you what's fixable, what isn't, your timeline, and your fixed price. Then you decide.
080 6824 8827 or WhatsApp us — replies in minutesRegistered & recognised
On the record — with the Government of India.
Registration numbers are stated for verification on official government portals. Registration does not imply government endorsement of services.