Case studies · Business + Personal · Thiruvananthapuram, Kerala
By Vaidhehi P, Sr. Credit Analyst, Kenstone Credit.
Padmasree Bakery and Stationery, of Thiruvananthapuram, was struggling with a CMR rank of 9 — near the bottom of the scale — and it was costing them exactly what a bad rank costs: no new loans, and their existing Overdraft (OD) facility stuck without renewal. They found Kenstone by searching online, and approached us to improve the ranking.
On analysing their commercial credit report, I identified several reporting errors dragging the rank down. I raised disputes with the respective banks immediately, and — just as importantly — guided them on managing their accounts effectively, because a rank recovery holds only when the conduct behind it holds. With proper guidance and consistent monitoring, their CMR rank improved from 9 to 5 — and with it, the Overdraft facility was successfully renewed.
Impressed with the outcome, they came back — this time for individual credit repair. A "Settled" flag on the personal report stood between them and a business loan. Within 30 days, the CIBIL rectification was completed and the issue resolved.
A commercial rank of 9 looks terminal — and it isn't, when the rank is dragged by reporting errors rather than true conduct. Disputes plus disciplined account management moved it four ranks. And the pattern we're proudest of: a business client who came back as an individual client, because the first engagement earned the second. In his own words below — "it was like a new life for me." Published with the client's written consent.
2:18
My name is P. R. Padmakumar. I live in Kerala, Thiruvananthapuram. I searched on the internet and contacted Kenstone Capital. I inquired about that company — that company is a company that clears all CIBIL issues. So I approached them: Harish Sir and Vaidhehi Madam. The biggest issue I have with CIBIL is that every loan gets rejected when I go for it. I inquired about the reason. I had some payment problems with my CIBIL score. Also, my CMR was at 9. Due to some of those problems, my loan was getting rejected. When I approached Kenstone Capital, I was very tense about whether they would do everything correctly or not. But a lot of changes happened in my life. Vaidhehi Madam was very helpful to me. As for my benefit — it was like a new life for me. When my CIBIL and CMR all changed, when all the commercial credit changed. Now the commercial credit is below 5 — it has become 4. My CIBIL score is above seven sixty. Vaidhehi Madam called and told me to do all the small things that helped me so much, and helped me a lot. I have had a good experience. So now there is a total difference in my CIBIL score. Therefore, I am expressing my deepest gratitude to Vaidhehi Madam for helping me. I am very happy. Therefore, you too should trust Kenstone Capital. I trusted them, and my life was saved. So, trust them. Thank you very much.
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