The questions everyone asks first.

Yes. Your right to an accurate credit report comes from the Credit Information Companies (Regulation) Act, 2005 (CICRA), which obliges bureaus and lenders to investigate and correct disputed information. What we do is exercise that right properly, at scale, with documentation — and where a lender or bureau fails to resolve a genuine dispute, we escalate through the RBI's Integrated Ombudsman Scheme (RB-IOS).

No — and no one legitimate can. Accurate negative history stays; anyone promising to "wipe" it is misleading you. What we correct is everything genuinely wrong, and what we build is a rebuild plan so accurate negatives matter less over time.

For individuals: ₹9,999 for single-bureau rectification (Essential) or ₹14,999 for all four bureaus (Premium). For businesses: ₹34,999 and ₹59,999 respectively. Complex cases — Hunter list resolution, director report cleanup, settlement negotiations — are priced individually after assessment. All prices exclusive of 18% GST, fixed in writing before you commit, and never revised mid-engagement. Our fee covers the analysis, disputes and follow-up. The credit reports themselves are bought directly by you from the bureaus, in your name. We tell you exactly which reports to buy before you pay anything.

If no committed correction is reflected in your report within the committed window of 30–45 working days — and your side of the case file is complete: documents submitted, dues cleared where applicable, process followed through — you can claim a refund under our policy. The full terms, including exclusions, are published openly on our refund policy page. We'd rather you read them before paying than after.

No. Share whichever report you already have, or we'll guide you through pulling it from the bureau's portal — individuals are entitled to one free full report from each bureau every year. Company credit reports are paid documents from the bureaus, and we'll help you obtain the right one. Either way, our analysis and review of the report come before any payment to us.

Individual bureau disputes typically resolve in 30–45 working days; a full engagement — analysis through verified corrections and the start of a rebuild — usually runs 3 to 6 months depending on the case. Your timeline is stated in writing at the start, not discovered along the way.

No, and you should be wary of anyone who does. Scores are computed by the bureaus, not by any agency. What we commit to is the process — every genuine error found, disputed with documentary proof, and verified — plus a refund policy if committed corrections don't land.

They are separate companies in the same group. Kenstone Capital works for lenders on SARFAESI enforcement and for businesses on collecting their receivables; it does not collect consumer debts for banks. Kenstone Credit Solutions LLP corrects credit reports for individuals and MSMEs. The teams and client relationships are separate, and Kenstone Credit never works a case against its own client's interests.

Lenders report to all four bureaus fortnightly, as of the 15th and last day of each month, under RBI rules in force since January 2025. Your score refreshes as each bureau ingests those files, so payments and corrections typically show within two to six weeks.

Enquiries from applications you actually made cannot be removed, and paid enquiry-removal services are a known scam. Enquiries you never authorised can indicate fraud and should be disputed with the bureau and the lender named on them. Either way, enquiries fade in impact within months; statuses and payment history matter far more.

No agency "gives" CIBIL scores. The CIBIL score is generated only by TransUnion CIBIL Limited, the credit bureau, from data lenders report to it; Experian, Equifax and CRIF High Mark issue their own separate scores the same way. Credit repair agencies, including us, do not issue or set scores, we correct the underlying report data that scores are calculated from. Anyone claiming they can directly "give" you a score is misleading you.

No, there is no reset button at year seven. Bureaus retain credit information for a minimum of seven years under the regulations, and your score is recalculated continuously from whatever is on the record, it never zeroes out or starts fresh on an anniversary. What actually happens is gentler: resolved negatives fade in impact as they age, and reports weight recent history most heavily. An unresolved default, though, keeps reporting and keeps hurting until it is resolved.

No. Your fee to Kenstone Credit is for our professional work. Credit reports are bought directly from the bureaus in your name, and the bureaus bill you for them. For a one-time case, the reports typically cost ₹120–₹500 for individuals, and for businesses ₹600–₹4,000 for a single bureau or around ₹7,500 for all four; individuals also get one free full report from each bureau every year. For annual plans you take out the bureau subscription we point you to and pay the bureau for it directly, not upfront — for a business that is roughly ₹15,000 a year for CIBIL alone or ₹27,000 across all four bureaus. We confirm exactly what you need before you pay us anything.