We prove Fredholm criteria for singular integral operators of the form
\[
P_++M_bP_-+M_uUP_-,
\]
where \(P_\pm\) are the Riesz projections, \(U\) is the flip operator, and \(M_b,M_u\) are operators of multiplication by functions \(b,u\), respectively, on a reflexive rearrangement-invariant space with nontrivial Boyd indices over the unit circle. We assume a priori that \(M_b\) is bounded, but \(M_u\) may be unbounded. The function \(u\) belongs to a class of, in general, unbounded functions that relates to the Douglas algebra \(H^\infty+C\).