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No Ads, No Spam. OneScore is the best app to check your credit score. Get tips on how to build and improve your credit score, alerts on changes & more. Apply for OneCard - India's best metal credit card.


FREE Credit Score

OneScore analyses your credit report & informs you the areas that need attention. No Ads. No Spam.

Payment History

Use the OneScore app to check your complete loan & credit card payment history. Avoid delayed payments.

Improve Credit Score

Get personalised tips and suggestions to improve your credit score.

Safe and Secure

Your data and information is safe. It is never shared with any third party.


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. Get smart insights customised to help grow and monitor your score to reach 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.

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