Case studies · Personal · Guntur, AP
By Supraja, Sr. Credit Analyst, Kenstone Credit.
Mr. Katari Suresh from Guntur, Andhra Pradesh, came to us in May 2026. His daughter Indira Revathi had secured admission, and the family needed an education loan — but banks were declining. His CIBIL report stood at 658, held down by entries that did not reflect reality.
I raised documented disputes on both accounts, with the closure evidence attached, and followed each to verified correction. The score moved to 680 — better, but not yet enough for the lender's threshold. So the second phase was honest strategy rather than dispute: a structured small-loan rebuild that demonstrated fresh, clean repayment behaviour. Within the engagement window, the score crossed 700.
Correction alone is not always the whole answer. This case needed both halves of the practice: removing what was wrong, and then building what was missing — stated plainly to the client at each step. The loan was sanctioned, with scholarship eligibility included. Both father and daughter chose to record their story; their videos and transcripts are below. Published with the family's written consent.
3:16
1:31Hi Madam, Hi Sir. My name is Suresh. The main reason for making this video is to thank Kenstone, especially Supraja Madam. When I approached the bank for my daughter's study loan, my CIBIL score was 550, 540. However, the consultancy people referred me to Kenstone. They said that if you get your CIBIL score rectified through this company, they will solve any problems. So, when my profile went to Kenstone, my profile was handed over to Supraja Madam. However, I really liked the way Madam spoke to us and the way she guided us. It was a very beautiful experience for us. I have a CIBIL score of 540, which has increased to 700 plus in one month. Madam rectified all our problems. They sent it to the particular credit score bureaus, rectified all our problems, and resolved them. The way she spoke to us, understood our problems, what our defaults are, how to rectify our defaults, how to do it — the total, A to Z, Madam did it, Supraja Madam. Supraja Madam, thank you very much. My daughter's loan has been sanctioned today, from forty-five lakhs to fifty lakhs. My CIBIL score is 700 plus in one month, one month and ten days. Actually, all this credit should go to you, Madam, and Kenstone. I am very happy, Madam. I am happy that this video is the reason to thank you. Especially, I am thanking you, Madam. Also, thank you very much to Kenstone. They solved my problems and brought my CIBIL score, which was 540, to 700 plus. Particularly, they solved the problems — what defaults were there, one by one, step by step, rectifying everything for me and improving my CIBIL score. I am very happy. I am very happy to cooperate with you all. Especially Supraja Madam, the way you guided us, answering with patience the questions we asked — you never get annoyed whenever we call. Very patiently replying to us, guiding us, and even small loans — guiding us on how they are useful for the CIBIL score, and how to take and clear that loan. You introduced a method to us. Thank you very much, Madam. Thanks, Madam. Especially to you, Kenstone and Supraja Madam. Thank you very much, Madam. Thank you. — Indira Revathi — Hi, my name is Indira Routi. I want to share my experience with Kenstone Capital. Recently we were searching for an education loan, but we faced so many rejections from the banks wherever we went. At that time, we consulted Kenstone Capital. They helped us a lot to get a loan, to rectify our CIBIL score. Especially I want to thank Supraja Ma'am. She deals our case. Actually at first when we consulted Kenstone Capital, the CIBIL score was only 500. But in one month, she recovered all, and she rectified all the defaults also, which we have — multiple defaults with a low CIBIL score. She rectified all of that without any hesitation. She gave each and every update, every day. She guided what to do, what's the next step, and she explains each and everything. We are very satisfied with the work of Supraja Ma'am and Kenstone Capital. We are very thankful to them. Now we got the education loan with forty-five lakh rupees. So thank you so much Kenstone Capital, especially to Supraja Ma'am. Thank you, thank you very much for the support and guidance. Thank you.
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