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Start your journey to a healthier credit score.

We’re on a mission to help every Indian understand what a credit score means and how to improve it.
By empowering people with knowledge and tools, we’re building a financially confident India.

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Your Credit Score, Explained in Minutes

Most common credit score myths debunked – Part 1

November 23, 2025

Most common credit score myths debunked – Part 1

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Most common credit score myths debunked – Part 2

November 23, 2025

Most common credit score myths debunked – Part 2

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Common mistakes to avoid when you’re new to credit

November 23, 2025

Common mistakes to avoid when you’re new to credit

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Tips to maintain and improve your credit score

November 23, 2025

Tips to maintain and improve your credit score

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Learn More About Your Score

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How To Build Your Credit Score?

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Benefits Of A Good Credit Score

Credit Score

Save On Loan
Interest

Good scores = lower rates on home, car, and personal loans.

Get Premium
Cards

High scores unlock credit cards with rewards, cashback, and perks.

Choose Longer
Repayments

Good scores = lower rates on home, car, and personal loans.

Quick Loan &
Card Approvals

Good scores = lower rates on home, car, and personal loans.

Myth Vs Fact

Myth Icon Myth Icon
  • Credit score is only for rich people or big businesses.
  • Checking my credit score will reduce it.
  • Only missing big EMIs affects my score.
  • No loan means my score will be high.
Fact Icon Myth Icon
  • Anyone with a line of credit (loan, credit card) has a credit score.
  • A soft check doesn’t affect your score.
  • Even missing one small payment (like ₹500) can reduce your score. No credit history means no score.

Simulate Your Credit Score

See How Different Actions Can Affect Your Credit Score Without Impacting Your Real One.

  • Curious about your Credit Score?
  • See what happens to your score if you apply for or close a loan/credit card, pay off balances or make a late or what happens if you use the full limit on your credit cards
Visit Simulator

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Frequently Asked Questions

What are credit bureaus? +
Credit bureaus, also known as credit reporting agencies, are companies that collect, store, and manage information about your credit history. They use this data to create your credit report and calculate your credit score, which lenders use to assess your creditworthiness.
Is there more than one score for an individual? +
Yes, an individual may have multiple credit scores because different credit bureaus and models use different data and scoring criteria.
What is a credit score? +
A credit score is a numerical representation of your creditworthiness. It is based on your credit history, including payment habits and outstanding debts.
What are the benefits of a good credit score? +
A good credit score can help you qualify for better loan offers, lower interest rates, and faster approvals from financial institutions.
Will checking my score decrease it? +
No, checking your own score does not decrease it. It’s considered a soft inquiry, which has no effect on your credit score.
Why is my score different on different apps? +
Different apps may use data from different bureaus or scoring models, leading to variations in the score you see across platforms.
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Disclaimer

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