Every page, one index.

Services & problem pages (10)

• Personal credit repair
• Business credit repair & CMR
• CIBIL score improvement
• Remove written-off status
• Remove settled status
• Improve CMR rating
• Loan settlement advice
• Wilful default correction
• How it works
• Pricing

The Credit Library (24 guides)

• The Credit Library (hub)
• The CIBIL dispute escalation ladder
• Every status code, decoded
• What written off actually means
• The No Dues Certificate
• What can and cannot be fixed
• Loan settlement and your report
• Wilful defaulter, and the way out
• Enquiries: the panic and the scam
• Why your four scores differ
• The commercial report & CMR
• Read your report like an analyst
• The guarantor's guide
• The RBI Ombudsman, start to finish
• 300 to 900, decoded
• The score each loan needs
• Choosing an agency, spotting frauds
• The CMR report, in five minutes
• DPD, decoded in five minutes
• CMR rating 1 to 10: what each rank means to a lender
• Credit report terms, explained
• Foreclosure amount vs Total Loan Value

News & events

• News & events
• What BNI Bangalore’s members asked us about credit

Walk-in cities (10)

• Bengaluru — registered office
• Mumbai
• Hyderabad
• Mangalore
• Shimoga (Shivamogga)
• Udupi
• Chennai
• Kochi (Cochin / Ernakulam)
• Indore
• Pune

Offices by appointment (6)

• Delhi
• Chandigarh
• Navi Mumbai
• Jaipur
• Ahmedabad
• Visakhapatnam

Cities served remotely today (9)

North

• Ghaziabad
• Noida
• Gurugram (Gurgaon)
• Lucknow
• Kanpur

West

• Nashik

South

• Thiruvananthapuram (Trivandrum)
• Coimbatore

East

• Kolkata

Documented case studies (30)

• A 759 score, rejected anyway: the Post Write-off status a bank apologised for
• Stuck for a year — even with another agency. Closed in three months.
• Three delinquencies, two banks — one corrected rank
• A friend misused his card. A month of foreclosures and follow-up cleared the record — and won him a home loan.
• A good score hid a broken report — 15 accounts that weren't hers.
• 768 → 727 with zero missed payments. Then back — in seven days.
• They offered to fix the record if the complaint was withdrawn. We asked for that in writing.
• A company with only closed facilities read CIBIL Rank 8. Two live, well-run facilities later, it read 6 — in a week.
• A credit card he never availed. Years on his report. Gone — with the score to prove it.
• CRIF rejected his dispute. The right escalation removed the wrong accounts anyway: 510 → 754
• A written-off loan he was sure he never took. The truth was more complicated.
• One PAN, two people: a decade of foreign accounts, removed in fifteen days
• A "wilful default" that wasn't — and a daughter's education loan unlocked
• Four bureaus, four different scores, one cleanup: 670 → 759 and everything behind it
• Commercial CIBIL rank 7 → 3 — and the funding that followed.
• A good score, a stuck loan — and one remark that wasn't true.
• A genuine written-off account, resolved the honest way — in 14 days
• Resolved from 8,000 km away: an INTEGROFI overdue, four bureaus corrected, 649 → 706
• Trust, twice: a wrongful "wilful default," then a stranger's gold loan.
• Three banks, three errors — one commercial report corrected.
• Fifteen app-loan overdues, four CIBIL issues — one clean month
• CMR 9 → 5, an OD renewed — then a "Settled" flag cleared in 30 days.
• Seven years stuck: a ₹7,00,000 PNB outstanding, settled at ₹20,000
• He was told the loan was closed. The report said "Post Write-Off Settled" — and a 764 was rejected for it.
• The letter the bank asked for, and the escalation that undid it: 640 → 728
• Ready to pay — and no way to pay. Until the right escalation.
• Settled in 2023 — then sold, and reported "written-off."
• A write-off from seven years ago, over a few hundred rupees: cleared to a blank status, 625 → 700
• A Suit Filed flag he had already paid off — removed in eight days: 662 → 710
• Three lenders, four bureaus — one report finally telling the truth

The team (11)

• Akshatha Shetty
• Anita Bhat
• Aradhana Prasad
• Harish Krishnamurthy.
• Michelle Juanita
• Rabia Basri
• Rudolph Mathias
• Smitha N
• Sumayya Khanan
• Supraja
• Vaidhehi P

हिंदी (Hindi)

• हिंदी Library
• क्रेडिट रिपोर्ट के शब्द, आसान हिंदी में
• cibil score kaise badhaye — सही तरीका, आसान हिंदी में
• written off meaning in hindi — Written-off का मतलब
• settled meaning in hindi — Settled का मतलब

தமிழ் (Tamil)

• Credit report-ல இருக்கற terms-அ தமிழ்ல விளக்கமா சொல்லியிருக்காங்க

ಕನ್ನಡ (Kannada)

• ನಿಮ್ಮ ಕ್ರೆಡಿಟ್ ವರದಿಯ ಪದಗಳನ್ನು ಸರಳ ಕನ್ನಡದಲ್ಲಿ ತಿಳಿದುಕೊಳ್ಳಿ

Company

• About Kenstone Credit
• Reviews
• Case studies (hub)
• The cases we turned away
• Contact & all locations
• Partner with us
• FAQ

Policies

• Privacy notice
• Terms of service
• Refund policy
• Disclaimer
• Grievance redressal