Business credit repair

When a CMR rank stands between your company and its working capital.

CMR rank improvement and company credit report correction for MSMEs — misreported facilities disputed with documentary proof, verified across every bureau that banks check.

Call 080 6824 8827 See fixed pricing
4.9 · 480+ Google reviews Money-back promise Analysis before payment
CIBIL MSME Rank · lower is better
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One real case: Brindha Cotton Mills, CMR 7 → 5 in 15 days — read it →

01 · Sound familiar?

The ways a wrong report strangles a healthy business.

“The bank declined our working capital, citing the CMR rank.Ranks dragged by misreported data move when the record is corrected — sometimes within weeks. “A facility we cleared months ago still shows delinquent.Cleared dues the bureau never updated are among the most common — and fastest — corrections. “Our enhancement is stuck even though the financials are strong.Lenders read the bureau record first. If it's wrong, the balance sheet never gets a fair hearing. “A company I exited years ago still shows on my personal report.Director de-linking is specialist, document-heavy work — exactly what our Custom plan handles. “Different bureaus tell different stories about the same facility.Consortium lenders check more than one report. We match corrections across all of them. “A "written-off" remark survives even though we settled and hold the documents.With settlement letters and NOCs in hand, wrongful remarks can be disputed off the record.

02 · The rank itself

CMR, in one honest paragraph.

CIBIL MSME Rank grades your company's credit risk from 1 to 10 — lower is better — and most banks gate working-capital decisions around CMR 5. The rank is computed from your reported repayment record. Which means two very different companies can hold the same bad rank: one under genuine stress, and one whose record is simply wrong. We exist for the second kind — and we'll tell you plainly, before any payment, which kind you are.

What moves a rank

Correcting wrongly reported delinquencies, updating cleared dues, removing remarks the documents disprove — verified across every bureau the bank checks.

What doesn't

No agency can override a rank that accurately reflects genuine stress. Anyone promising CMR 1 regardless of your record is selling you a story.

Why it pays

A corrected rank reopens bank credit lines, strengthens renewal terms, and — as one client puts it on video below — makes it easy to shift banks and negotiate rates.

03 · How it works

Clarity first. Commitment second.

We work from your company's own bureau report — the one you share, or the one we guide you in obtaining. Company reports are paid bureau documents; we'll point you to the right one for your entity, and our analysis comes before any payment to us.

01

Analyze

Every facility, every DPD string, every remark — read line by line. You get our review, what's fixable, what isn't, and a fixed price.

02

Dispute & rectify

Disputes raised with bureaus and lenders through proper channels — each backed by sanction letters, statements, NOCs and closure documents.

03

Verify

Tracked to closure and confirmed on the record — across every bureau your lenders check, not just the one that was wrong.

04

Protect & grow

Reporting hygiene that keeps the corrected record clean — so next year's renewal starts from strength.

Said upfront, not in fine print

Genuine stress on the record cannot be erased — by us or anyone else. What can be fixed is everything genuinely wrong, and for many companies that alone changes the lending conversation.

Money-back promise

If committed corrections aren't reflected within the committed 30–45 working-day window — and your case file is complete — our refund policy applies. Read the full policy.

Grounded in regulation

Our dispute practice is built on the Credit Information Companies (Regulation) Act, 2005. Where a lender or bureau fails to resolve, escalation follows the RBI's Integrated Ombudsman Scheme.

04 · Pricing

One fixed price. Stated once. Kept.

Stated in writing after we've reviewed your company's report and set expectations — and never revised mid-engagement.

Essential
₹34,999 + GST
When only one bureau is reporting negative or incorrect data on your company.
  • One bureau — CIBIL or any one of your choice
  • Full analysis and rectification of that report
  • Dispute-to-closure tracking with documentary proof
Start with a call
Most chosen
Premium
₹59,999 + GST
For larger MSMEs, consortium lending, or issues spanning multiple reports.
  • All four bureaus — CIBIL, Experian, Equifax, CRIF
  • Corrections matched and verified across every report
  • Dispute-to-closure tracking with documentary proof
Start with a call
Custom
Priced after assessment
For complex company and director cases beyond standard rectification.
  • Director report cleanup — de-linking exited companies
  • Hunter list resolution
  • Debt negotiations for waivers & settlements
  • Multi-entity and long-history cases
Request an assessment

All prices exclusive of 18% GST. The analysis and review of your report come before any payment — and every engagement is covered by our refund policy.

05 · Case studies

Documented cases, real numbers.

MSME · Textiles · May 2026

Three 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.

CMR rank
5
from CMR 7
↑ 2 ranks · 15 days
By Akshatha Shetty · Sr. Credit Consultant
Business · Gurugram, Haryana

Commercial CIBIL rank 7 → 3 — and the funding that followed

3 lenders resolved · new loans secured · AMC since

Kenstone Credit · managed by Anita
Business · Surat, Gujarat

Three banks, three errors — one commercial report corrected

SMA mark · not-theirs loan · stale guarantee — all fixed

By Vaidhehi P
Business + Personal · Kerala

CMR 9 → 5, an OD renewed — then a "Settled" flag cleared in 30 days

Two engagements · returning client · on video

By Vaidhehi P

Every case study is published with the client's written consent. Outcomes vary case by case — we never promise a rank.

06 · Reviews

In their own words.

4.9
★★★★★480+ Google reviews →
A client's story — press play, read along
Video testimonial from Vishnu Raja of Brindha Cotton Mills 1:00
Now it's easy for me to shift banks and ask them for lower interest rates.
Vishnu Raja
Brindha Cotton Mills · Tamil Nadu
Video testimonial from the accounts department of Freecia Professional, a Kenstone Credit business client 0:47
They monitor our CIBIL scores regularly — and if they notice any impact, they guide us.
Freecia Professional
Accounts dept. · AMC monitoring client
Video testimonial from P. R. Padmakumar, a Kenstone Credit client from Kerala 2:18
It was like a new life for me — when my CIBIL and CMR all changed.
P. R. Padmakumar
Padmasree Bakery, Kerala · thanks Vaidhehi
★★★★★

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.

GGanesh Svia Google
★★★★★

The CIBIL Correction service, I highly recommend this business to your organization. The Pricing is fair and transparent - definitely value for money. For my case handled by Ms. Vaidehi, Her Efficiency and punctuality are hallmarks of her service (As single point contact for customer)

NNagaraj hvia Google
★★★★★

I had a fantastic experience with Kenstone Cabrini took the time to understand my situation, cleared my CIBIL history smoothly, and helped boost my credit score to an impressive 750 The clear communication, transparency, and genuine care made a stressful process completely hassle-free. If you are looking for reliable financial guidance and credit solutions, Kenstone Capital is definitely the place to go. Excellent service!"

DDiwakar Gayuvia Google

07 · Before you call

Asked before almost every engagement.

What is CMR rank, and why do banks care?

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CIBIL MSME Rank grades a company's credit risk from 1 to 10 — lower is better — and most banks gate working-capital and enhancement decisions around CMR 5. A rank dragged down by misreported data can block lending your financials would otherwise justify.

Can a CMR rank actually be improved?

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When it's being depressed by incorrect reporting — yes. Correcting the record moves the rank; in one documented case on this page, from 7 to 5 within 15 days. What no one can do is override a rank that accurately reflects genuine stress.

How much does business credit repair cost?

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₹34,999 for single-bureau rectification, ₹59,999 across all four bureaus. Director de-linking, Hunter list resolution and settlement negotiations are priced individually after assessment. All prices exclusive of 18% GST, fixed in writing before you commit.

How do we get our company credit report?

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Company credit reports are paid documents issued by the bureaus. Share the one you have, or we'll guide you in obtaining the right report for your entity — and our analysis and review come before any payment to us.

I've exited a company, but its loans still show on my personal report. Fixable?

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Director de-linking — removing the credit trail of companies you've legitimately exited — is specialist, document-heavy work involving the lender, the bureau and corporate records. It's one of the scenarios our Custom plan exists for.

Do you guarantee a specific CMR rank?

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No — ranks are computed by the bureau, not by any agency, and anyone promising a specific rank is misleading you. We commit to the process: every genuine error found, disputed with proof, verified — backed by our refund policy.

Going deeper? Read the full guide: improving your CMR rating →

Your company's report, reviewed before you pay a rupee.

Share your bureau report — or we'll guide you to the right one — and we'll tell you what's dragging the rank, what's fixable, your timeline, and your fixed price. Then you decide.

080 6824 8827
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