UpScore: Credit Score Builder

Tracewave

About this app

UpScore is your all-in-one credit health companion, built to help you understand, track, and improve your credit score with intelligent insights and personalized guidance.
Whether your score needs a boost or you want to maintain excellent credit health, UpScore gives you the tools, knowledge, and expert support.
PERSONALIZED SCORE IMPROVEMENT PLANS
Get a customized action plan built around your unique credit profile. UpScore analyzes your payment history, outstanding debts, credit card utilization, and account mix to generate specific tasks that can help move your score in the right direction. Follow your daily and weekly recommendations to stay on track.
DETAILED CREDIT REPORT ANALYSIS
View a complete, visual breakdown of your credit profile — including all active loans, credit card balances and closed accounts. Download clean, formatted credit reports that are ready for bank submissions, loan applications, or personal records.
SMART CREDIT UTILIZATION ALERTS
Keep your credit card spending in check with real-time utilization monitoring. Get notified when any card crosses recommended usage limits, helping you maintain healthy utilization ratios that positively impact your credit standing.
DISPUTE ASSISTANCE
Found an error on your credit report? UpScore helps you identify reporting inaccuracies and provides structured guidance to draft dispute requests. Resolve discrepancies faster with organized, step-by-step support right from your dashboard.
EMI CALCULATOR
Make informed borrowing decisions with a powerful EMI calculator. Simulate monthly payments across different loan amounts, interest rates, and repayment periods. Compare scenarios side by side to choose the option that fits your budget and keeps your debt profile manageable.

COMPREHENSIVE BILL PAYMENTS
Pay all your essential bills in one place:
- Mobile Prepaid & Postpaid
- Broadband & DTH
- Electricity & Gas
- Credit Card Bills
- Insurance Premiums
- Education Fees
- FASTag & E-Challan
- Loan Repayments
- And many more

Timely bill payments are one of the strongest contributors to a healthy credit record. UpScore keeps you on schedule with payment reminders and due date tracking.
CREDIT EXPERT SUPPORT
Get direct access to experienced credit professionals for one-on-one consultations. Receive personalized video guidance explaining your credit report in detail, along with actionable advice to address specific challenges like high utilization, missed payments, or overdue accounts.
SCORE TRACKING & PROGRESS MONITORING
Watch your credit health improve over time with visual score trend charts. Track completed improvement tasks, review payment milestones, and see how each financial decision impacts your overall score trajectory.
SECURE & ENCRYPTED
Your data security is our priority. All personal and financial information is protected with industry-standard, and no data is shared with unauthorized parties.
IMPORTANT DISCLAIMER
UpScore does not offer credit repair services. All insights and recommendations provided through the app are educational and serve as personalized guidance based on the user's credit data. Individual outcomes depend on personal financial behavior and circumstances.
Download UpScore today and start your journey toward a stronger credit score.

What’s new

- Upgrade to Android 16 support