Case studies · Personal · Bengaluru

Three lenders, four bureaus — one report finally telling the truth

By Smitha N · Credit Analyst  ·  January 2026 · 40–45 days
4.9★ · 480+ Google reviewsMoney-back promisePublished with written consent
Smitha N, Credit Analyst at Kenstone Credit
Smitha N
Credit Analyst, Kenstone Credit
Wrote & handled this case
737 → 790
40–45 days · ₹16L sanctioned

By Smitha N, Credit Analyst, Kenstone Credit.

Background

Mr. Vinay D H, a medical professional from Bengaluru, approached Kenstone Credit in January 2026. His CIBIL report carried multiple issues that were holding back his loan eligibility, and earlier attempts through score-checking apps had shown him the problems without resolving any of them. His score stood at 737 — decent on paper, but the report behind it was blocking every application.

What the analysis found

The approach

Each issue took a different path: tracing and foreclosure for the first, an evidentiary demand on the lender for the second, document-backed disputes for the third. Every correction was then verified across CIBIL, Experian, Equifax and CRIF High Mark — because a fix that appears on one report and not the others is not a fix.

Score
737 → 790
Timeline
40–45 days
Outcome
₹16L sanctioned

Why this case matters

Score-checking apps had shown Mr. Vinay his problems for months. Showing is not solving. The difference was establishing, account by account, what the record could actually prove — and refusing to accept entries that no lender could document. Every case study we publish carries the client's written consent.

The client, in his own words
Vinay describes his Kenstone Credit experience 4:07
Literally, every single rupee is worth it.
Vinay
Client · Bengaluru
Full video transcript

Hi, my name is Vinay. Actually, my main issue was with my PAN card. Now I am 27 actually. When I was 22 years old, two fake loans were deposited in my PAN card. One was a guarantor and another was an auto loan. My sister had a marriage, so I went to get a loan one year back. When I went to get the loan, they checked it there and said, "Sir, your CIBIL score is completely gone." If a person is alive, then the CIBIL score becomes so important — if you ask how much a person is valued, that CIBIL score itself tells how much a person is valued. Literally, I didn't even know what it was. What is this, how does it come? I went to all the companies that were there, I won't say the company's name, but I went to all of them. Nothing was of any use. I got frustrated, and because it's a middle-class family, I had to take out a loan. But I didn't know how to do it. Then a friend told me there's something called Good Score, and you can pay for it. So I paid for it and got a membership. There was a fee for that, I paid it. They were showing the CIBIL score, saying there is an issue like this, but they were not solving it. That was one month, and it was getting very difficult. After that, another friend of mine said, there is something called Paisa Bazaar, look inside it. Even in that, I paid, literally. In that also, it was showing the same CIBIL score, and after that it was a waste. After that there was another app, I used that, it showed the CIBIL score, it was saying the same reason, but it wasn't doing any solution. My head was completely messed up, I didn't know how to explain it. After that, finally, a friend comes and says, there is something called Kenstone Capital, try it once. I thought, I have fallen this much, what else — and then I went to Kenstone Capital. There Srinidhi sir actually contacted me. There was a fee there, I paid that fee. From day one, they created a group, especially for me. In that, Smitha Madam took care and helped a lot with the backup. The reason I'm mentioning her name is because from day one, she used to call me for OTPs — the OTP would come to Gmail, to our messages. CIBIL, Equifax, Experian, and one more. "We will solve all four, sir, without worrying." From day one itself — follow back to back, follow back to back. They said they will finish it in 45 days. On day 15 to 20, I got the complete result, because I had two fake loans, and they were gone in 14 days. Literally, I was very happy to see that. I received a message in my Gmail saying it was gone. After that, there was another one, and that one was also gone. After that there was this gold loan — that's gone too. Literally, it cleared up very well. I was very happy. Kenstone Capital, especially Smitha Madam, took very good care and reported back to back. Now I have a loan of nine lakh rupees. How much thank you should I say — Kenstone Capital, especially Smitha Madam. Thank you so much. Now my CIBIL score is 780 plus. It's been one and a half months since I got the loan. Literally, every single rupee is worth it. Thank you so much Kenstone Capital. Thank you so much Smitha Madam. Thank you so much Srinidhi sir. Guys, literally trustable — Kenstone Capital. I am very, very happy. Thank you so much.

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