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CIBIL score repair in Chandigarh — one call away.

Serving Chandigarh remotely, with an office in Zirakpur for meetings by appointment. Report analyzed, honest review in writing, fixed price upfront — before any payment.

4.9★ · 500+ Google reviewsMoney-back promisePersonal & business credit

Chandigarh

Phone, WhatsApp and email — the same analysis, disputes and written commitments, no visit needed. Office in Zirakpur for meetings by appointment.

We respond within 30 minutes, 9 AM – 6 PM

Call 080 6824 8827

Here for business credit? Company CMR services →

“They said it would be fixed in thirty-five to forty-five days — everything was fine in thirty.”Francis XavierHDB written-off remark corrected · documented case

“I didn't have to go through any hassle — from desperately looking for help, to now that it has been done.”Sivaramakrishnan & Vidya BalajiSBI Card case, Bengaluru · documented case

4.9★ · 500+ Google reviewsAnalysis before paymentOne fixed price — see pricingMoney-back promise in writingDocumented cases, served remotely

Registered & verifiable: Kenstone Credit Solutions LLP · LLPIN ACE-1800 · GSTIN 29ABBFK3106H1ZK · Udyam UDYAM-KR-03-0349099 · DPIIT DIPP157465

Our group company Kenstone Capital is empanelled with 27 lenders for SARFAESI enforcement and recovery.

State Bank of IndiaICICI BankAxis BankKotak Mahindra BankPunjab National BankCanara BankBank of BarodaUnion Bank of India+19 more — full list

Under RBI norms, banks publish their empanelled agencies on their own websites, so every name is verifiable at the source. That inside view of how lenders read a credit file is what we bring to yours.

Everything we fix

One team, every credit report problem.

Written-off status

Wrong write-offs corrected with documents; real ones upgraded honestly via full payment.

How it works →

Settled flag

Settled-to-closed upgrades, and honest advice before you sign any settlement.

How it works →

Score improvement

Corrections first, resolution next, rebuild plan after. Documented 737→790 and 715→783.

How it works →

Wrong entries & disputes

Accounts that are not yours, stale balances, closed loans shown active — disputed with evidence.

How it works →

Business credit & CMR rank

Commercial report corrections and CMR improvement — documented rank 7→3 case.

How it works →

Free guides

The Credit Library: disputes, status codes, what can and cannot be fixed — published free.

Read the Library →

What we don't do: loans

We are not a lender and never push one — no commissions steering our advice. We fix the report so lenders say yes at normal rates.

01 · The office

Our office in Zirakpur, serving Chandigarh tricity.

Office · by appointment

Zirakpur, Punjab

2nd Floor, Motiaz Royal Citi, Chandigarh-Ambala Hwy, Zirakpur, Punjab 140603

Our office in Zirakpur, serving Chandigarh tricity, is available for meetings by appointment, and most of the work happens remotely: every engagement begins with your complete report pulled and analyzed, findings walked through on a call, and one named consultant answering for your case from start to finish.

Office hours: Mon–Sat, 9 AM – 8 PM, by appointment · 080 6824 8827

Call to arrange a meeting. Listed on Google as KC Solutions | Chandigarh · open in Google Maps ↗

02 · How it works

Four steps. Analysis before any payment.

Step 1 · You

Share your report

Send it after one call, or bring it to a meeting by appointment — we analyze every account across all four bureaus and separate what is wrong from what is genuine.

The terms, upfront

Three promises before you pay a rupee.

Said upfront, not in fine print

Accurate negative history cannot be deleted, by us or by anyone else. What can be fixed is everything that is genuinely wrong, and that alone moves more scores than most people expect.

Money-back promise

If the corrections we committed to are not reflected within the committed 30 to 45 working-day window, and your case file is complete on your side, our refund policy applies. Read the full policy.

Grounded in regulation

Disputes run on the Credit Information Companies (Regulation) Act, 2005, the law that gives you the right to an accurate report, escalated under the RBI's Integrated Ombudsman Scheme where a lender or bureau fails to resolve a genuine dispute.

Proof

Documented cases, wherever you are.

Credit repair is a claims industry, so we publish evidence instead: thirty documented cases with real names, real report extracts and testimonials on record, every one consented and verifiable, from written-off (bank booked it as a loss) corrections to company CMR ranks rebuilt. Distance changes nothing about the method — disputes, lender follow-ups and bureau verification all run on documents, which is exactly how we serve Chandigarh today. Read the documented cases →

04 · Questions

Chandigarh, answered straight.

Is there a credit repair agency in Chandigarh?

Yes — Kenstone Credit serves Chandigarh clients remotely: report analysis, disputes and follow-ups all happen over phone, WhatsApp and email, and our office in Zirakpur, serving Chandigarh tricity, is available for meetings by appointment. Every engagement starts with your report analyzed and our review shared in writing before any payment. Call 080 6824 8827.

Do I need to visit the office?

No. Everything can be done remotely; if you'd prefer to meet, we can arrange it at our Zirakpur office by appointment.

What does credit repair cost?

Fixed and public: ₹9,999 + GST for one bureau, ₹14,999 + GST for all four. Complex matters are priced in writing after assessment. If we can't deliver, you get your money back. Bureau report charges are separate; we tell you exactly which reports to buy before you pay anything.

Is there a CIBIL office in Chandigarh I can visit?

Visiting will not help, and this surprises most people: TransUnion CIBIL does not resolve disputes or corrections at walk-in offices, in Chandigarh or anywhere. Corrections happen through the reporting lender and the bureau's online dispute process, which is the same from any city. The full sequence, lender first, then bureau, then the RBI Ombudsman if ignored, is published free in our dispute guide.

Can CIBIL defaulters get loans in Chandigarh?

We are not a lender and do not arrange loans, so here is the honest answer instead of a pitch: some NBFCs in Chandigarh do lend against low scores, at painful rates and small amounts, and "loan without CIBIL" offers are frequently scams. The durable path is fixing what is wrong on the report first, corrections and resolution, so mainstream lenders say yes at normal rates. That is the work we actually do.

Do you handle business and company credit (CMR) in Chandigarh?

Yes — commercial credit is half our practice. Company credit report corrections and CMR rank improvement for proprietorships, partnerships, LLPs and private limited companies in Chandigarh run exactly like personal work: report analysed first, written review with a fixed quote, then documented corrections through lenders and bureaus. Details on the business credit repair and CMR improvement pages.

Where we work

Across Chandigarh, remotely or in person.

Credit report work is document work — every dispute, correction and follow-up happens over phone, WhatsApp and email, so we work with clients across Chandigarh and beyond, including:

Sector 17Sector 22Sector 35PanchkulaMohaliZirakpurManimajraKharar

"Settled" shouldn't follow you forever.

Share your report and your documents — we'll tell you if the remark is disputable, your timeline, and your fixed price. Before you pay anything.

080 6824 8827 or WhatsApp us — replies in minutes

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