Case studies · Personal · Bengaluru, Karnataka
By Vaidhehi P, Sr. Credit Analyst, Kenstone Credit.
When Mr. Sivaramakrishnan and Ms. Vidya Balaji approached Kenstone Credit, they were struggling with a Written-Off status on their SBI Card credit card account — reported across all four major credit bureaus, weighing on their credit profile and their plans.
Here is what made this case unusual: the couple was willing to clear the dues. The problem wasn't unwillingness — it was the system. The mobile number registered with the SBI Card account was no longer active, so the bank could not share foreclosure details through its regular customer care process. They were ready to pay, and had no way to find out how much.
After reviewing the case, it was clear the standard process would only produce more delays — every regular channel dead-ended at the inactive mobile number. So I took a different path: I escalated the matter through the Prime Minister's Office (PMO) grievance portal, explaining the difficulty the customers faced in obtaining their own foreclosure details. Following the escalation, SBI Card reviewed the matter and shared the required foreclosure information.
From there, the honest-path playbook: I guided the clients through the payment, ensured everything completed smoothly, and followed up with the bank until the account was updated across all four credit bureaus.
Not every credit issue is difficult because of the dues. Sometimes the biggest challenge is knowing how to navigate the system when the usual process doesn't work. A dead registered mobile number had turned a payable debt into an unsolvable one — until the right escalation path opened it. We focus on finding solutions, not just filing complaints.
Dear Team, Thank you for the prompt rectification of my CIBIL score issue. The entire process was very smooth and hassle-free. A special thanks to Vaidehi Madam for being extremely helpful, supportive, and responsive throughout the process. Her guidance made everything much easier. Truly appreciate the excellent service provided. Regards, Vidhya and Sivaramakrishnan
Verified public review · view on Google →
Published with the clients' written consent.
1:29
I'd like to express my sincere thanks to the Kenstone Capital team in the rectification of my CIBIL score. There was a time when I was actually looking for some help with the CIBIL rectification, and I was helplessly looking at the websites which could offer me this help — and I came across Kenstone Capital. From the time I initiated my call with them, the process has been extremely smooth, and how they have taken it forward till the rectification was done was absolutely great. I would like to express my sincere thanks to Vaidhehi Madam, because she did her best, and the communication was very clear — as and when, what was required, and how to go about it, and sending the emails and everything. I really thank you so much, Ma'am. I didn't have to go through any hassle — from the time when I was really looking for some help and desperately looking how to get this CIBIL score cleared, to now that it has been done. I am extremely thankful to the entire team for the help and support that you have given me. And I would highly recommend their service to whoever is looking for it. Thank you.
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