Case studies · Personal · Sundargarh, Odisha
By Aradhana Prasad, Sr. Credit Analyst, Kenstone Credit.
Mr. Prashanta Kumar Patel from Sundargarh, Odisha, approached Kenstone Credit on 19 May with an urgent issue: his IDFC First Bank loan account was being reported as written-off — one of the heaviest remarks a report can carry — and it was weighing on his credit profile and his plans. For nearly three years, as he describes on video below, his score had been falling without him understanding why.
This case differed from a wrongful-remark dispute in one important way: the dues behind the remark were genuine. That called for the honest path — not an attempt to dispute away a truthful entry, but resolution first, and accurate reporting after.
Recognizing the urgency, I reviewed the case immediately and guided Mr. Patel through the payment process to clear the outstanding dues without delay. The entire engagement was handled remotely — he never needed to leave Odisha.
Once payment was completed, I initiated rectification: a formal complaint filed with IDFC First Bank, requesting an expedited update of the account status — then regular follow-ups with the relevant officials, ensuring the case received attention rather than a queue position. The No Due Certificate (NDC) was issued on 29 May; by 2 June, the account was updated across the credit bureaus.
Not every written-off remark is wrong — and when the dues are genuine, anyone promising simple deletion is selling a story. This case shows the honest alternative: clear the dues, obtain the documentation, then make sure the record actually updates — because lenders and bureaus frequently fail to reflect payments unless the update is pursued. An issue that could have taken months closed in two weeks, fully remote, and Mr. Patel could move forward with confidence. Published with the client's written consent.
1:44My name is Prashant Kumar Patel. I am from Odisha. For the past three years, my credit score had gone down so much. I was worried, wondering where the problem was, where the loan was running, what had happened — I couldn't understand anything. Then I got the address of Kenstone Capital, which is such a good company and such a sort-out company, that in five days, it sorted out every loan of mine and updated its credit score. Whatever dealings needed to be done with the bank, within five days, that too was digitally sorted out, and we extend many congratulations to Kenstone Capital. And we are so happy, that if anyone needs something regarding their credit score in the future, we will recommend them. But you can sort them out on your phone, even while staying in your place. Their officer, staff, every person — it is absolutely correct and works perfectly, and with good behavior. Therefore, if there is any problem with the credit score, please contact Kenstone Capital and increase your credit score. Thank you.
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