Case studies · Business + Personal · Thiruvananthapuram, Kerala
Home · Case studies · Padmasree Bakery — CMR 9 to 5
CMR 9 → 5, an OD renewed — then a "Settled" flag cleared in 30 days.
By Vaidhehi P, Sr. Credit Analyst, Kenstone Credit.
Background
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.
The first engagement, commercial
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.
The second engagement, individual
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.
The result
Why this case matters
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
Full video transcript
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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