Get your credit score and credit report for FREE

Download on the App Store Get it on Google Play

No Ads, No Spam. OneScore is the best app to build and improve your credit score. Apply for OneCard - India's best metal credit card.

banner-image

FREE Credit Score

Get your credit score and credit report every month.

Payment History

Check your loan and credit card repayment history.

Improve Credit Score

Personalised insights to improve your credit score.

Safe and Secure

Your data is safe & never shared with 3rd parties.

iphone

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 grow your credit 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.

ipad

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.

No Ads. No Spam. Just your credit score.

FREE Credit Score forever!

Powered by CIBIL & Experian