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Michelle Juanita
Takes the cases that have already failed elsewhere — analysing why every earlier attempt died, then escalating to the level that can actually act.
About
In her own words.
I graduated college in 2024 and began my professional journey with Kenstone Credit in 2025. Before joining Kenstone, I had the opportunity to intern with an NGO, where I worked closely with people from different backgrounds. That experience taught me the importance of empathy, active listening, and understanding every individual's unique situation, and I believe it adds value to the way I interact with clients today.
After completing my graduation, I was keen to build my knowledge and experience in the banking and financial sector, and I am grateful to Kenstone for providing me with the opportunity to learn, grow, and understand the industry while contributing to meaningful work.
During my journey at Kenstone, I have had the opportunity to work closely with clients, understand their concerns, and support them throughout their financial improvement journey. I believe every client deserves to be heard and understood. I take the time to listen, provide honest guidance, and work towards solutions that create a positive impact.
My approach is built on empathy, clear communication and attention to detail. I believe in providing clients with transparent and factual guidance, ensuring they have a clear understanding of their situation and the possible steps forward. Seeing clients overcome their challenges, receiving their appreciation, and knowing that my efforts have helped bring them confidence and relief is what motivates me to continuously learn, grow, and give my best every day.
What she handles
The work this desk is known for.
When customer care, branch visits, and even another agency have failed — the file gets re-investigated, not re-filed.
Mapped escalation to senior officials at the lender until the case receives the attention it deserves.
Clients finish her cases understanding how ratings work and how to keep them up — in their own words.
Documented cases
Written by her. Verified by the record.
A 759 score, rejected anyway: the Post Write-off status a bank apologised for
Axis acknowledged the error · HSBC unlocked · video + report evidence
The letter the bank asked for, and the escalation that undid it: 640 → 728
Wrong reporting · RBI route · four bureaus · video + report evidence
A credit card he never availed — deleted after cross-verification
Dual complaints · SBI confirmed the error · 715 → 783
Stuck for a year — even with another agency. Closed in three months.
2–3 months · overdue removed
Reviewed guides
Checked line by line before publication.
The RBI Ombudsman, start to finish
Reviewed by Michelle Juanita · named in the guide's schema
DPD, decoded in five minutes
Reviewed by Michelle Juanita · named in the guide's schema
Wilful defaulter, and the way out
Reviewed by Michelle Juanita · named in the guide's schema
Clients, on camera
Named by the people she worked for.
1:10Every case gets one named consultant.
Yours starts with a call — your report analyzed and our review shared before any payment.
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