A wrong entry on your credit report can be corrected.
An accurate one cannot, and we will tell you that before you pay us anything. We read your report first, put in writing which entries are genuinely disputable, quote one fixed fee, and then take it up with the bureau and the lender.
The method
How it works
Three stages, in this order, on every engagement.
1We read the report
We pull your credit report and go through it line by line. You receive a written assessment listing every negative entry, marked disputable or accurate, with the reason for each.
2We raise the disputes
For the disputable entries we file with the credit bureau and take it up with the lender that reported them, then keep following it, because first responses are often a standard rejection.
3We help you rebuild
A clean report is not the same as a good score. We tell you what to do over the following months, and what to avoid, since most damage after a correction is self-inflicted.
No sales pitch
Straight answers
These four questions decide whether a credit repair firm is worth paying. Ours are answered here, so you can hold the next firm to the same standard.
Can a genuine default be removed? No.
If you actually defaulted, settled or paid late, that record stays for the period the credit information rules prescribe. Anyone offering to delete it is either misleading you or planning to file a false dispute in your name.
Can anyone guarantee a credit score? No.
The bureaus calculate scores using their own models. We can affect what goes into the calculation. We cannot set what comes out, and a promised number is a sales tactic.
Can a wrong entry be corrected? Yes.
More often than people expect. A loan shown as live years after closure, a default belonging to a namesake, one loan reported twice, a settlement recorded despite full payment. These contradict the lender's own records, and they come off.
Should you know the price before you pay? Yes.
Ours are published in full on the pricing page, with nothing conditional on the outcome. If a firm will not give you a number until it has your report, ask why.
For individuals
Salaried and self-employed clients whose report carries entries that are wrong, outdated, duplicated or belong to someone else, or who simply do not know why a loan was refused.
For businesses
Proprietorships, partnerships, LLPs and companies whose commercial credit report or CMR rank is standing between them and working capital, a term loan or a tender.
On paper
The firm
Everything below can be checked against public registers before you pay us anything.
- Legal name
- Kenstone Credit
- Constitution
- Sole proprietorship
- Proprietor
- Seethalakshmi J H
- Activity
- Credit score counselling; auxiliary financial services (NIC 66190)
- Udyam registration
- UDYAM-KR-03-0718249
- Shops & Establishments
- 39/177/S/0202/2026, Department of Labour, Karnataka
- Registered office
- Flat #117, Mahaveer Coral Apartment, 15th Main, 17th H Cross, JP Nagar 5th Phase, Bengaluru, Karnataka 560078, India
- Telephone
- +91 96633 96610
- Business hours
- Monday to Saturday, 9:00 am to 6:00 pm IST
Send us your credit report
We will tell you what can be corrected and what cannot before any fee is discussed. If nothing on your report can be corrected, we will say so and there is nothing to pay.