Can you remove a genuine default from my report?

No — and no legitimate agency can. What can be corrected is everything genuinely wrong: mis-flagged accounts, incorrect balances, stale statuses, accounts that are not yours. Accurate history is then outweighed over time through a structured rebuild.

How long does CIBIL score correction take?

Individual bureau disputes typically resolve within 30 to 45 working days. A full engagement — analysis through verified corrections and the start of a rebuild — usually runs three to six months depending on the case. Your timeline is stated in writing at the start.

What is the Hunter list, and can you help if I am on it?

The Hunter database flags applications suspected of fraud indicators, and a listing can silently block every loan you apply for. Resolution is slow, documented, specialist work — it is one of the scenarios our Custom plan exists for, and it can be done.

Personal credit repair

A CIBIL score repair agency that shows you everything first.

Q: How much does CIBIL score repair cost?

₹9,999 plus GST for single-bureau rectification, or ₹14,999 plus GST covering all four bureaus — CIBIL, Experian, Equifax and CRIF High Mark. Complex cases such as Hunter list resolution or settlement negotiations are priced individually after assessment. Your price is fixed in writing before you commit and never changes mid-engagement.

Q: Do I need to buy my credit report first?

No. Share whichever report you have, or we help you pull it from the bureau portal — every individual is entitled to one free full report from each bureau every year. Our analysis and review come before any payment to us.

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.

Call 080 6824 8827 See fixed pricing

4.9 · 480+ Google reviews Money-back promise Analysis before payment

Correction ledger · illustrative

Personal loan · repaid 2022Reported "settled"SETTLEDCLOSED ✓

Auto loan · not hisNo agreement on fileREPORTEDREMOVED ✓

Gold loan · NOC in handMarked written-offWRITTEN-OFFCORRECTED ✓

737→ 790one real case · 40–45 days

Every fix verified across CIBIL · Experian · Equifax · CRIF

01 · Sound familiar?

If your report is lying about you, it shows up like this.

“My loan keeps getting rejected, and nobody tells me why.The reason is on the report. We read every line until we find it. “I repaid in full, but it still says "settled".A wrongly reported "settled" flag can be corrected to "closed" with lender documentation. “There's a loan on my report I never took.Identity mix-ups and reporting errors are disputable, and with proof they come off. “One EMI bounce from years ago is still dragging my score.Stale, misreported entries can be challenged; genuine ones get outweighed by a rebuild. “A closed account still shows an overdue balance.Balance and status mismatches are among the most common — and most correctable — errors. “Every application gets flagged — apparently I'm on some fraud watchlist.Hunter-list resolution is slow, documented, specialist work. It can be done.

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.

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 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.

Essential

₹9,999 + GST

When only one bureau is reporting negative or incorrect data.

One bureau — CIBIL or any one of your choice
Full analysis and rectification of that report
Dispute-to-closure tracking with documentary proof

Start with a call

Most chosen

Premium

₹14,999 + GST

When banks check multiple bureaus, or issues span more than one report.

All four bureaus — CIBIL, Experian, Equifax, CRIF
Corrections matched and verified across every report
Dispute-to-closure tracking with documentary proof

Start with a call

Custom

Priced after assessment

For complex cases that need specialist handling beyond standard rectification.

Hunter list resolution
Debt negotiations for waivers & settlements
Long, multi-account histories

Request an assessment

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.

06 · Reviews

In their own words.

4.9

★★★★★480+ Google reviews →

Client stories — press play, read along

Video testimonial from Vinay, a Kenstone Credit client