Four bureaus, four different scores, one cleanup: 670 → 759 and everything behind it

Background

When Mr. Praveen Kumar of Bengaluru came to us in February 2026, the striking thing was not one bad account — it was that all four bureaus told different stories about the same man: CIBIL read 670, CRIF High Mark 510, Equifax 440, Experian 439. Underneath the spread sat real problems: two ARCIL accounts reflecting overdue, a Clix account reflecting written-off, and — on Equifax — the same Clix-linked account appearing under multiple Clix entities. A profile like this fails loan checks unpredictably, depending on which bureau a lender happens to pull.

Onboarding scores (February 2026) → scores at resolution (June 2026), from the case record. CIBIL movement is documented in the report extracts below.

What the analysis found

Each bureau's report was reviewed separately — because each was wrong differently. The honest shape of the case was mixed, like most real files: genuine pending dues that needed clearing, and reporting problems that needed disputes — duplicate entries and cross-bureau mismatches that no payment would ever fix. The plan covered both tracks, with the price fixed in writing before any fee.

The approach — four bureaus, two tracks

Disputes went out account by account, with verification-and-correction mails drafted to each lender. Where genuine dues existed, Mr. Praveen cleared them, and each payment was papered so the lender's update could be forced through. Where follow-ups stalled, the matter escalated through the grievance machinery — including public-grievance (PMO) complaints where required. And when subsequent report pulls surfaced additional duplicates and mismatches beyond the opening list, those were taken up too: the mandate was a clean profile, not a closed ticket.

The outcome

By June 2026, the major issues were resolved: the ARCIL account now reports closed with zero balance and zero overdue (documented below), the written-off and duplicate reporting was rectified, and every bureau moved — CIBIL 670 → 759, Experian 439 → 709, Equifax 440 → 591, CRIF 510 → 573. The honest caveat, stated the way we always state it: further movement across CRIF and Equifax will follow subsequent reporting cycles and repayment behaviour — scores are the bureaus' verdicts on corrected data, not ours to promise.

Report evidenceView his CIBIL reports — before and after+

CIBIL score670 → 759 Report pulls19 Feb → 30 Jul 2026 ARCIL accountOpen · overdue → Closed 25/02/2026 · ₹0 RedactedAccount nos., amounts & identifiers

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Before · Feb After · Jul

Before · pulled 19 Feb 2026Score 670

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After · pulled 30 Jul 2026Score 759

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The ARCIL account — open on the February report, closed at zero on the July report

BeforeARCIL · open account

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AfterClosed · ₹0 overdue

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Raw extracts from Mr. Praveen's own TransUnion CIBIL reports, labelled by report pull dates. Account numbers, amounts and identifiers are redacted; the lenders are named in this article. Published with his consent.

Why this case matters

Because it documents what "my score is different everywhere" actually means — and what fixing it takes. Four bureaus hold four copies of your history, wrong in four different ways; correcting one report corrects nothing at the other three. This case ran the full machinery — account-level disputes, lender mails, payment papering, grievance escalation, and re-checks that caught issues the first pass could not see — across every bureau in parallel. It is also the first published case from Rudolph Mathias's desk, and it carries his signature: the mandate ends when the profile is clean, not when the ticket closes. If your scores disagree with each other, start with why the four bureaus differ — then start with the analysis.