GoodScore: Credit Score App

Arthvit 1809 Tech

About this app

Build your credit score to 750+. Join over 5 Crore Indians building their credit score with GoodScore. Check your credit score, get a detailed credit report and expert advice to build your credit score.

Get access to your detailed credit report & a complete account by account analysis of your credit profile from our team. This analysis will be given to you in the form of a detailed video & step-by-step plan to help you achieve your ideal credit score.

GoodScore’s credit score is powered by Experian and CRIF High Mark: 2 of the 4 credit bureaus authorized by RBI.

The information on your credit report summarizes how you manage credit, including payment history, credit accounts, outstanding balances, defaults, credit utilization, credit mix and loan enquiries – important factors that impact credit score.

We analyze all your active and closed credit accounts for payment patterns and credit behaviour and offer personalized guidance to help you make the right decisions as you work towards achieving your desired credit score.

GoodScore helps you understand the factors that affect your CRIF and Experian credit scores and gives you a personalized video recording on how to manage your credit.

Our credit score builder service includes the following:
✅Monthly tracking of your credit score and detailed report
✅Identifying areas which are affecting your credit score
✅Tips on how to manage your credit score
✅Monthly review of financial decisions and steps taken

📊Check your credit score:
You can check your Experian & CRIF High Mark Credit Score any time on the app. Experian & CRIF High Mark are among the 4 major Credit information companies in India.

We’re also working towards onboarding the other 2 credit bureaus CIBIL & Equifax through which you can check your CIBIL score soon. We’ll update you as soon as these credit bureaus are available.

When you have a good Credit score, you’ll become eligible to get loans & credit cards from India’s top banks like HDFC Bank, SBI, Bank of Baroda, PNB, ICICI Bank, Axis Bank, IDFC First Bank, IndusInd Bank, Bandhan Bank, RBL Bank, Federal Bank, etc.

👉Are CRIF & Experian credit scores different from CIBIL?
CRIF, Experian & CIBIL are different platforms owned by different credit information companies. However, all 3 companies are approved by the Reserve Bank of India.

The parameters chosen by CIBIL TransUnion, Experian & CRIF High Mark are majorly similar. All 3 companies have a similar mechanism to calculate the credit score. They use repayment history, credit mix, new credit and outstanding debt to make the credit report. Having a good credit history in CIBIL will have somewhat similar results with CRIF High Mark and Experian as well.

💳Personal loans eligibility criteria
* Age: 21- 60 years
* Annual Income: ₹1,00,000+
* Indian Resident
* Loan Amount: ₹100 to ₹20,00,000
* Repayment Tenure: 6 to 84 Months

Annual Percentage Rate (APR): 9.5% to 24%

Example:
If you borrow ₹50,000 for 3 years at 10% p.a.
EMI: ₹1,613 | Processing Fee: ₹1,770
Total Payable: ₹59,838 | Total Cost: ₹9,838
Effective APR: 11.45%

Lending partner on GoodScore:
R.K. Bansal Finance Private Limited (Ramfincorp)

[Important Note: Goodscore DOES NOT provide any credit repair service. The information provided in the app is for educational purposes and is only a personalized guidance based on a customer's credit report]

🔐App permissions and reasons: GoodScore uses SMS access to help users track bills and expenses from bank alerts and payment confirmations. To ensure timely and accurate updates, GoodScore uses a foreground service to securely sync SMS data when users enable expense tracking, budgeting, or bill monitoring features. SMS data is used only for core app functionality and is not shared with third parties.

📞Contact us
Phone number: 08065663363
Email: [e-mail]
Address: 57/4, Vajram Esteva, 2nd Floor, Marathahalli-Sarjapur Outer Ring Road, ORR, Devarabisanahalli, Bengaluru, Karnataka 560103

Ratings and reviews

I had a very bad experience with the Good Score application. After installing the app, I entered the OTP, enabled AutoPay, and the initial amount towards the application was successfully debited from my account. However, the app got stuck on the main loading screen and never opened. I am unable to access the application despite multiple attempts. Please resolve this issue as soon as possible.

I edited my review from a 1 star to a 5 star because the Good Score App team communicated with us and gave us access to our reports from Experian. in addition to which also assured that they will help us take care of any discrepancies we may have in the future. Long story cut short for a very low subscription fee per month, these guys have the team to help you set your credit report straight which is amazing as opposed to paying hundreds directly to a credit bureau.

This is the most helpful appin terms of maintaining credit score and getting loan as well. In single application you can get the credit score improvement plan also option to raise all kind of dispute and also they have started to provide loan. My journey with good score has been very great and I'd recommend everyone to use Good score in terms of maintaining healthy credit report.

What’s new

Latest updates include performance improvements & bug-fixes. Keep your app updated to enjoy the latest features on our app!