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GET YOUR CREDIT SCORE AND CREDIT REPORT FOR FREE



No Ads, No Spam. Free credit score from CIBIL and Experian. OneScore is the best
app to build and improve your credit score. Apply for OneCard - India's best
metal credit card.




FREE CREDIT SCORE

Get your credit score and credit report every month.


PAYMENTS HISTORY

Check your loan and credit card repayment history.


IMPROVE CREDIT SCORE

Personalised insights to improve your credit score.


SAFE AND SECURE

Your data is safe & never shared with 3rd parties.


SMART SCORE PLANNER

Low credit score? No worries, we have you covered. Simulate your credit score
and get suggestions on how to improve it with our AI-powered score improvement
planner. Smart insights customised to grow your credit score to the level you
want, in the time you want.


PAYMENTS HISTORY

Delayed payments can have a negative impact on your credit score. To avoid this,
ensure timely repayment of loan and credit card dues to maintain a good credit
score. With the powerful Payments History view in the app, you get details of
all your card and loan payments, including both delayed and timely payments.




MAJOR FACTORS AFFECTING YOUR CREDIT SCORE

Several businesses and even employers are using a credit score or credit report
to make decisions about your creditworthiness and financial behaviour. It is
important to be aware of factors that affect your credit score, and manage them
effectively.


PAYMENTS HISTORY

Late payments can damage your credit score. Always pay your loan and credit card
dues on time.


CREDIT UTILISATION

Living life on the edge and maxing your credit card? A high credit utilisation
can impact your score.


PORTFOLIO MIX

It is good to have a balanced mix of credit card and loan accounts for a healthy
credit score.


AGE OF ACCOUNTS

Having a long history in the bureau signifies financial maturity and contributes
to a higher credit score.


CREDIT INQUIRIES

Do you like applying for loans/credit cards all the time? Too many credit
inquiries linked to your application can hurt your score.


NO ADS. NO SPAM. JUST YOUR CREDIT SCORE.




FROM OUR BLOG

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How to fix your credit score: A guide




FREE CREDIT SCORE FOREVER!

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