Home · Team · Harish Krishnamurthy
The Credit Library · Author
Harish Krishnamurthy.
Co-founder of Kenstone Credit Solutions LLP. Writes The Credit Library: plain-language guides to India's credit reporting system, sourced from the case team's documented work.
Harish KrishnamurthyAbout
The premise behind the work.
Harish co-founded Kenstone Credit Solutions LLP and leads, the Bengaluru credit repair and advisory firm behind kenstonecredit.com. The firm's model is deliberately simple: a detailed credit report analysis before any fee, one fixed price, and money back in writing when a commitment cannot be met. The same premise runs through his writing, that India's credit reporting system is navigable when someone explains it honestly, including what cannot be fixed.
He writes The Credit Library on this site and publishes regularly on India's credit ecosystem: CIBIL and bureau processes, RBI norms, loan settlements, disputes and credit rebuilding. Every guide draws on the documented cases his team publishes with written consent, with the consultants who handled each case named on it.
Writing
From The Credit Library.
The CIBIL dispute escalation ladder
Every step from lender customer care to the RBI Ombudsman, with the timeline, the documents, and the trap that breaks self-filed disputes.
Read the guide →The Credit Library
All guides in one place, with the case studies each one stands on and the topics shipping next.
Browse the Library →The consultants who handle and author the documented cases are on the team page.
On the case record
Cases where the first consultation was mine.
Talk to the team behind the Library.
One call, and a consultant looks at your report with you.
080 6824 8827 or WhatsApp us — replies in minutes