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Our Reliable Solution For Your Credit Issues
Reduce Your Raising Financial Complexities In Delhi
Factors that get Affected and Reported
Many financial activities directly affect your credit score and are reported to credit bureaus. Knowing these factors can help you avoid mistakes, improve your credit profile, and maintain a healthy financial future.
DPD : Days past due
This records the number of days an EMI is paid late from the due date. Can never be amended because once paid late it cannot be reversed. If somebody promises to remove or amend DPD then it's a fraud.
Negative Flags
Written off, PO WO Settled, Suit filed. can be removed by making repayment to the bank. If somebody claims that they can remove the default or negative flag without making repayment to the bank then it's a fraud.
Enquiries
Enquiries once made cannot be ammended. is considered during the process of loan sanctioning.
Holding Multiple PAN Cards
Credit score is a dynamic aspect. It goes up and down based on the repayment pattern of an individual/company. It's a criminal offense to hold multiple Pan cards and the Credit system is intelligent enough to capture this kind of fraudulent activity.
How Much Our Services Costs?
(Pricing Inclusive of 18% GST)
Essential Package
- Thorough credit profile evaluation
- Detailed problem identification and root cause analysis
- Tailored solutioning strategy development
- Dedicated account manager for personalized support
- Basic credit education resources
Advanced Package
- Analysis of Credit and one additional Credit Bureau
- Cross-bureau discrepancy identification
- Enhanced credit profile assessment and scoring factors
- Customized credit improvement action plan
- Quarterly strategy refinement
Comprehensive Package
- Full analysis of all four credit bureaus
- 360° credit health evaluation across all bureaus
- Accelerated dispute resolution assistance
- Bi-monthly strategy refinement and optimization
- Exclusive access to credit expert consultations
Therefore Credit score can be improved by adhering to the positive repayment pattern.
Conclusion: Credit Repair is a possibility and most of the issues can be fixed and can become eligible for a fresh credit from a Bank/Financial Institution.
Beware: if somebody makes a false claim of removing negative flags from the report without making repayment to the Bank/Financial Institution then stay away!
How our services work
We follow a simple and transparent process to repair your credit profile by identifying errors, raising disputes, and coordinating with credit bureaus for accurate corrections.
01
Credit Report Analysis
We generate your Credit report and plot a plan targeting all the negative items affecting your credit eligibility
02
Credit Disputing
Our expert team will dispute and challenge the incorrect information and negative flags on your behalf via online and through appropriate correspondence
03
Dispute Escalating
For negative flags, fraudulent transaction, and items requiring additional correspondence, We keep the process rolling and ensure your credit history is right on track.
04
Credit Score Analysis and Mentoring
Through the online platform, We offer seamless access to your credit report analysis and credit advisory to help you achieve financial freedom
You are entitled to have an accurate and fair credit report and score!
Tens of millions of Indians have identity errors on their credit reports.
Success Stories
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Even one negative item can cost you double,
even triple digit decreases to your credit!
Why use our Credit repair service?
We combine proven experience, legal expertise, and ethical practices to resolve credit report issues with transparency. Our result-driven approach and trusted track record make us a reliable choice for credit repair services.
Proof in the numbers
Since Kenstone Capital was founded, we have served 100's of thousands of consumers suffering from inaccurate entries in their credit report.
We understand the legal framework
We leverage every legal support available to fix your credit issues and help you become credit eligible.
Industry Recognition
Recognized for helping individuals improve their credit profiles with ethical and result-driven solutions. We focus on building trust through proven expertise and customer success.
Understanding Credit Repair Process
Understanding the credit repair process helps you identify negative credit issues, resolve disputes and improve your credit score with expert guidance and structured solutions.
1
Setup & Discovery
Firstly, we onboard you on to our platform, generate report and examine closely to identify all the negative items affecting your loan eligibility and wrongly hurting your credit score.
2
Challenge & Dispute
Next we reach out to credit bureaus and the Lending institutions to verify these negative items as accurate and fair. If they fail to do so then they are required to immediately remove them.
3
Manage and Monitor
We educate you to manage and Monitor your credit wisely. If a new credit issue appears we can immediately come on board and help you fix it
4
Final Review & Support
After resolving disputes, we perform a final credit review and provide expert support to maintain a healthy and stable credit profile.
How Long Does it Take
Unfortunately, there is no quick fix when it comes to credit repair and everytime one needs to go through the same series of steps involved in the resolution process. Therefore there’s no way to predict in advance how long it takes to fix your credit.
That being said, we help hundreds of thousands of consumers each year fix their credit and typically they’ve have been with us for three months. With our team of credit experts, tech systems, our credit improvement and negative items removal process is streamlined to get you results.
On an average client uses our service for
3 MONTHS
Case Studies
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Rajesh Mehta
Business Owner
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Rajesh Mehta
Business Owner
50,000+ Clients Served
92% Success Rate
RBI Compliant
Credit Is The Most Dependable Force In India
Credit is one of the most dependable credit authorities in India which maintains the records incorporating credit-related activities of both the firm and people, including credit cards and loans. Pretty much every enrolled bank and budgetary organizations present their credit data to Credit routinely. Afterward, Credit issues a CIR (Credit Information Report) and Credit score dependent on this data.
A CIR (Credit Report) is a credit instalment outline of an individual across various payments over a described period while the Credit score is a three-digit numeric summary speaking a person’s record of loan repayment.
“Our Credit Score Repair Agency Experts help you secure your financial future.”
Maintain An Excellent Score For An Outstanding Financial Life
Credit score is dependent on credit conduct shown in the ‘Enquiries’ and ‘Records’ segment of the Credit report.
This number ranges between 300 and 900, and the score of more than 700 is viewed as excellent, and such people are bound to make their instalments on schedule.
We Stand Out In The Crowd
If you are unable to reimburse the credit card bill or loan on schedule, it would decrease your Credit score and makes it difficult while you apply for other debit cards, credit cards, or any mortgages. You may discover some credit score fixing agencies on the web, guaranteeing they can fix your Credit score immediately. We advise you not to trust such Credit Improvement Services as they won’t guide you relevantly.
Our Credit Repair Association Has Etched The Right Business Standard
Our online Credit Score Improvement Agency in Delhi has set the right business standard as an upstanding and most solid Credit Repair association. Our talented Credit Score Consultants support you aptly with top financial services and help you oversee your economic assessment for the betterment of the future.
Significance Of Maintaining A Good Credit Score
We realize that financial institutions like banks face a ton of disasters concerning credits and their reimbursements. Thus they have gotten increasingly mindful while loaning cash to the people. Banks take the assistance of the Credit report before lending money or credit cards to a person. Aside from the individual, home, and vehicle loan endorsements, keeping up a decent Credit Score helps an individual in various manner.
- It rapidly constructs a positive impression of your financial state.
- It gives you a chance to bargain with a lower interest rate with a lender.
- You can get your prepayment charges waived off.
- A credit card will be given promptly at the time of your requirement.
Our Credit Score Improvement Agency Has Carved The Right Business Standard
Our Credit Improvement Agency has set the right business standard as an upstanding and most solid Credit Repair affiliation. Our competent Credit Score Consultants reinforce you suitably with the top budgetary plan and help you with controlling your money for the attainment of a better future. Being a specialized Credit increase agency, we can help you with your Credit score check procedure, upgrade your credit profile and resolve all your credit related problems. Having our footprints across India, we repair Credit score of both the individuals and businesses with our customized credit score improvement services.
Benefits Of Maintaining A Good Credit Score
If you did not know, Credit Score is a powerful tool used by Banks across the country. As the Banking industry faces a lot of mishaps, they have become cautious while lending to avoid losses. Now, banks lend money only after checking an individual’s Credit report. Apart from the quick sanction of personal loan, home loan, and vehicle loan, maintaining a good Credit Score helps you in several areas:
- It creates a positive impression about your creditworthiness.
- A high Credit score lets you bargain for a lower interest rate with your lender.
- It may even get your prepayment charges, as well as the processing fee waived off.
- A credit card will be issued immediately to an individual with a good credit score.
Stress Not If you Have an Awful Credit Score
Banks update the Credit database consistently. You can try to improvise the score along these lines. If you are not sure how to continue, our Credit Consultants in Delhi can be of better help.
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How can I improve my Credit Score?
If you want to transform your bad credit score into good credit score, there are a number of simple things you can do. You can repair Credit score by taking some simple steps.
- First, make sure you pay your bills, annual fees on time and avoid missed payments.
- Down your credit card balances to keep your credit utilization ratio low.
- Don’t close old credit card accounts or apply for too many new ones.
What if you are ‘Credit Hungry?'
High credit usage portrays the consumer as a credit hungry with a potentially higher risk of default. Such disputes has a negative impact on your credit score and can make it difficult for you to obtain additional credit facilities to your savings account.
Is it possible to repair Credit Score?
Yes, you can rebuild your credit score by taking the help of a credit score repair company.
How to increase Credit Score from 600 to 750?
If you want to increase your Credit score from 600 to 750+, establish a strong credit history, handle loan payments carefully, avoid closing old credit accounts, pay EMIs on time, and monitor your credit report. A Credit score of 750 or better will make it simple for you to get a loan.
How Do Credit Score Repair Agencies Work?
A credit repair agency is an organization that helps clients raise their credit score. The majority of clients often lack the time or knowledge necessary to file claims for credit score adjustments. Customers in this situation might file complaints by using the services of credit repair companies.
How to Repair Faulty Credit Report/Score?
Paying your bills on time, making debt repayments, preventing from receiving new hard inquiries, and getting credit development assistance can all help repair your faulty credit score.
What if I want another Credit Score and Report before one year?
If you have already got your Free credit Score and Credit Report directly for the year and want to keep track of your credit history, you can purchase unlimited access plans from Credit. With unlimited access plans, you can update your Credit Score & Credit Report daily during the subscription period and choose either a 1 month (550/-), 6 month (800/-) or 12 month (1200/-) package. Also, you will have access to other Credit facilities such as Customized Loan Offers, Credit Monitoring and Dispute Assistance during the subscription period.
Do late payments and high utilization of credit limits have a negative effect on your score?
Payment history is one of the most important aspects of your credit profile, and even a 30-day late payment or non payment can have a negative effect. Also, High utilization of credit limits are a major indicator of credit risk, and your credit score is adversely affected as your credit utilization ratio approaches and exceeds 40%.
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