Akshatha Shetty

I joined Kenstone Credit in July 2024. Before that, I worked as a DSA team leader at a start-up, helping customers secure different types of loans from banks and NBFCs. During that time, I noticed that many loan applications were being rejected. Some were for documentation issues, but the majority because of CIBIL-related problems the customers themselves were unaware of.

One incident completely changed my perspective. A customer whose loan had been rejected told me: “Please give me one month's time. I will correct my CIBIL score and get back to you.” I was surprised. I had never heard of anyone correcting their CIBIL report. Curious, I asked my senior, who worked as a manager at a leading private bank, whether it was possible. His response: “No, it isn't possible.”

That conversation stayed with me. Later, I discovered that many people, including experienced banking professionals, are simply not aware that incorrect information, reporting errors, and unfair negative remarks in a credit report can be identified and corrected through the proper process. These inaccuracies can unnecessarily affect a customer's eligibility and lead to repeated loan rejections.

Today, I feel fortunate to be part of Kenstone Credit, where I educate customers about their credit reports, help them resolve genuine CIBIL-related issues, and guide them toward better loan eligibility. It is incredibly rewarding to see customers secure loans with better approval chances and, in many cases, at lower interest rates. For me, this is more than a profession: it is about creating awareness and solving real financial problems.