GoodScore: Credit Score 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 partners on GoodScore:
Earlysalary Services Private Limited

[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: help@goodscore.app
Address: 57/4, Vajram Esteva, 2nd Floor, Marathahalli-Sarjapur Outer Ring Road, ORR, Devarabisanahalli, Bengaluru, Karnataka 560103