Case studies · Personal · Bellary, Karnataka
By Vaidhehi P, Sr. Credit Analyst, Kenstone Credit.
Ms. Shravanya, from Bellary, first came to Kenstone when she was struggling to get a loan from State Bank of India. Her credit report showed a JLG Individual loan from L&T Finance as a wilful default — even though the loan had already been cleared. Because of that one incorrect status, her application kept getting rejected. She was referred to us by the SBI branch manager himself.
A wilful default is the heaviest remark a report can carry, and hers was simply wrong: the loan was cleared. I reviewed her report, verified the closure, and raised disputes with the credit bureaus while communicating directly with the concerned bank to correct the reporting. After the required follow-ups, the wilful default status was corrected — and her report finally allowed her to proceed with her plans.
A few months later, Shravanya came back — with a different set of problems. Her report now showed a UCO Bank gold loan that did not belong to her at all, and her Date of Birth was wrong in the bureau records. I analysed the report and confirmed the gold loan was not associated with her, raised disputes with the bureaus, contacted the concerned bank for verification, and simultaneously requested correction of her Date of Birth in the bureau records.
When Shravanya says on video that we gave her trust "not for once, but twice," this is what she means — two separate engagements, two different kinds of errors, both corrected. A report can be wrong in more than one way at more than one time: a false wilful default one year, a stranger's gold loan and a wrong birth date the next. What matters is that each error is disputable with evidence — and that the client knows exactly where to come back to. Published with the client's written consent.
0:31Hello ma'am, my name is Shravani. Firstly, thank you Vaidhehi ma'am. I never thought my CIBIL would be rectified. Kenstone really helped me a lot. You gave me trust — not for once, but twice. I do mean it. And the best place to resolve all your credit and CIBIL reports is the Kenstone platform. So thank you so much, ma'am. I am really grateful for your assistance and patience with my queries. Thank you so much.
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