GoodScore: Credit Score App

Build your credit score to 750+. Join over 5 Million 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 and 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 – where we will provide important tips and suggestions 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.

How does GoodScore work?
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 – all of which are important factors that impact your 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.

Benefits of using GoodScore:
Your credit health will always be in your control with GoodScore:
✅Check your credit score and credit report on the go
✅Get personalized insights through a detailed video
✅Identify areas which are affecting your credit score
✅Keep track of all your loan and credit accounts under one tab
✅Set reminders for bill payments & EMIs

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 and Experian credit scores different from CIBIL?
CRIF, Experian and 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.
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 household income: ₹3,00,000
* Should be a resident of India
* Loan Amount: ₹100 to ₹20,00,000
* Repayment Tenure: 6 Month to 84 Months

Loan against mutual fund eligibility criteria:
* Age: 18-65 years, Mutual Fund Investment: Min. ₹2000 Portfolio, *Subject to Lender Policy, Should be a resident of India
* Loan Amount: ₹1000 to ₹2,00,00,000
* Repayment Tenure: 6 Month to 72 Months

Annual Percentage Rate (APR): 9.5% to 45%

Example:
If you borrow ₹5,00,000 for 3 years at 20% p.a.
EMI: ₹18,582 | Processing Fee: ₹17,700
Total Payable: ₹6,68,945 | Total Cost: ₹1,86,645
Effective APR: 21.92%

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: 080-69819392
WhatsApp: +91-7619697249
Email: help@goodscore.app
Address: 57/4, Vajram Esteva, 2nd Floor, Marathahalli-Sarjapur Outer Ring Road, ORR, Devarabisanahalli, Bengaluru, Karnataka 560103