Personal credit repair
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A credit score repair agency that shows you everything first.
Your report analyzed line by line, our review shared, expectations set — before you pay a rupee. Then documented disputes across all four bureaus: CIBIL, Experian, Equifax and CRIF High Mark.
01 · Sound familiar?
If your report is lying about you, it shows up like this.
02 · What we correct
Eight errors that quietly wreck good scores.
Most damaged reports aren't the result of bad behaviour — they're the result of bad data. These are the entries we dispute, with documentary proof, until the record is right. The work goes by many names — CIBIL correction agency, CIBIL rectification services, credit repair — and under every label the honest version is the same: disputes with evidence, escalation with law, resolution with paperwork.
Wrongly open accounts
Loans repaid and closed years ago, still reported active — dragging your utilisation and your score with it.
"Settled" that should read "closed"
The single most damaging mislabel in Indian credit reporting — and correctable when the dues were actually paid in full.
Incorrect balances & overdues
Zero-due accounts showing outstanding amounts, or overdue flags that never got cleared after payment.
Accounts that aren't yours
Identity mix-ups, fraud entries, and PAN-collision errors — disputed and removed with evidence.
Stale payment history
DPD strings (days late, month by month) that stopped updating, showing delinquency long after the account was regularised.
Duplicate reporting
The same loan reported twice — doubling the apparent exposure lenders see when they screen you.
Guarantor misreporting
Loans you guaranteed reported as if you borrowed — a common, fixable distortion of your obligations.
Mismatched personal details
Name, PAN and address errors that fragment your history across records and depress your score silently.
Every correction is verified across all four bureaus — CIBIL, Experian, Equifax and CRIF High Mark — because a fix on one report isn't a fix.
03 · How it works
Clarity first. Commitment second.
We work from your own bureau report — the one you share, or the one we help you pull. Individuals are entitled to one free full report from each bureau every year, and we'll walk you through getting it.
Analyze
Your report, read line by line. We share our review, what's fixable, what isn't, and your fixed price — before any payment.
Dispute & rectify
Disputes raised with bureaus and lenders through proper channels, each one backed by documentary proof.
Verify
Tracked to closure and confirmed on the record — across every bureau, not just the one that was wrong.
Rebuild & grow
A practical plan to grow from the corrected base — habits and structures that keep the improvement.
Said upfront, not in fine print
Accurate negative history cannot be deleted — by us or anyone else. What can be fixed is everything genuinely wrong, and that alone moves more scores than most people expect.
Money-back promise
If committed corrections aren't reflected within the committed 30–45 working-day window — and your case file is complete — our refund policy applies. Read the full policy.
Grounded in regulation
Our dispute practice is built on the Credit Information Companies (Regulation) Act, 2005. Where a lender or bureau fails to resolve, escalation follows the RBI's Integrated Ombudsman Scheme.
04 · Pricing
One fixed price. Stated once. Kept.
Stated in writing after we've reviewed your report and set expectations — 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.
- One bureau — CIBIL or any one of your choice
- Full analysis and rectification of that report
- Dispute-to-closure tracking with documentary proof
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.
- All four bureaus — CIBIL, Experian, Equifax, CRIF
- Corrections matched and verified across every report
- Dispute-to-closure tracking with documentary proof
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.
- Hunter list resolution
- Debt negotiations for waivers & settlements
- Long, multi-account histories
All prices exclusive of 18% GST. The analysis and review of your report come before any payment — and every engagement is covered by our refund policy.
05 · Case studies
Documented cases, real numbers.
A "wilful default" that wasn't — and a daughter's education loan unlocked
An HLF loan fully repaid, closure letter in hand — still reported as wilful default. A Grameena Bank account closed but never updated. Both corrected through documented disputes; then a small-loan rebuild strategy carried the score past 700. The education loan was sanctioned — scholarship eligibility included.
By Supraja · Sr. Credit AnalystThree lenders, four bureaus — one report finally telling the truth
A Shriram Transport guarantor account that wasn't his — removed when the lender couldn't produce a single supporting document. Muthoot gold loans marked "written-off" despite NOCs in hand — corrected. A Rhinofin overdue traced, foreclosed and updated. Every fix verified across CIBIL, Experian, Equifax and CRIF. The loan that followed: ₹16 lakh, approved.
By Smitha N · Credit AnalystStuck for a year — even with another agency. Closed in three months.
Incorrect overdue remarks on his Bank of India credit card accounts survived customer care, branch visits, and a year with another rectification firm. Kenstone Credit built a structured escalation to senior bank officials, saw the records verified, and had the corrections reported across all four bureaus.
By Michelle Juanita · Credit Analyst06 · Reviews
In their own words.
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thank u supraja madam ... because of you i got educational loan ... and i can purse my studies future ... thanks a lot ...
Worth every penny for CIBIL consulting! A special thanks to Smitha madam for the outstanding support in resolving my settled and written-off accounts. Her constant follow-ups and dedication made a huge difference, and my issue was handled smoothly. If you're planning to join Kenstone for CIBIL-related services, I highly recommend reaching out to Smitha madam for guidance and resolution. Truly appreciate the professionalism and commitment 🙏
I'm Really Heartily Thanks to Vaidehi Madam From Kenstone Team Because I have suffering CIBIL Issue in Credit Score last many years but it's not solved, My Friend referred This company for Resolving CIBIL Score Vaidehi Madam clear All my issue in CIBIL , Now My CIBIL score is 782 , Thanks to Kenstone and Vaidehi Madam
NRIs & overseas clients
Living abroad, with an Indian credit history?
A CIBIL repair agency — also searched for as a CIBIL correction agency or a credit score repair agency — is a paid service that reviews your credit reports, identifies inaccurate or outdated entries, and pursues their correction with lenders and bureaus on your behalf; it cannot edit a score directly, and ours quotes a fixed, published price in writing before any payment. As a CIBIL repair agency — the same service people also search for as a CIBIL rectification agency or a CIBIL score correction agency — we work every file the same way: analysis first, price in writing, then the disputes. Old Indian accounts do not emigrate with you — dormant cards, forgotten app loans and stale statuses keep reporting against your PAN long after you have left, and they surface exactly when you need Indian credit again. The entire correction process runs on documents and escalation, not on your presence: report fetched with your PAN, analysis and written review shared over WhatsApp or email across time zones, disputes and lender escalations run from our desks. Our documented Australia case shows the full arc — an overdue resolved and all four bureaus corrected in 15 working days for a client who never left home.
Four claims, four documented cases
What can and cannot be changed — with the reports to prove it.
07 · Before you call
Asked before almost every engagement.
How much does CIBIL score repair cost?
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Is credit repair legal in India?
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Can you remove a genuine default?
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Do I need to buy my credit report first?
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How long does it take?
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What is the Hunter list — and can you help if I'm on it?
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There's a loan on my CIBIL report I never took. Can it be removed?
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Can a CIBIL score be repaired?
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How do I fix issues in my CIBIL report?
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Can you fix my CIBIL report if I live outside India?
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Is it possible to repair a CIBIL score?
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Are credit bureau report charges included in your fee?
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Going deeper on one remark? Read the full guides: removing a written-off status → · removing a settled status →
“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
Your report, reviewed before you pay a rupee.
Share your credit report — or we'll help you pull it — and we'll tell you what's fixable, what isn't, your timeline, and your fixed price. Then you decide.
080 6824 8827 or WhatsApp us — replies in minutes