GoodScore: Credit Score App

The GoodScore app by Arthvit 1809 Tech helps Indian mobile users check and improve their credit score. It provides a detailed credit report and expert advice from a team of experts. The app's credit score is powered by CRIF High Mark, CIBIL, and Experian, three of the four credit bureaus authorized by the Reserve Bank of India. It analyzes all active and closed credit accounts to offer personalized guidance on managing payments and credit behavior. Users can also access a spend analyzer report to track daily credits and debits, and make UPI payments through the app. GoodScore aims to help users achieve their desired credit score by understanding the factors that affect their CIBIL, CRIF, and Experian credit scores.

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 CRIF High Mark, CIBIL and Experian: 3 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.

We also provide spend analyzer report that gives you daily update on your credits and debits. This in-turn will help you better manage your payments. We also allow you to setup UPI and make UPI payments through us.

GoodScore helps you understand the factors that affect your CIBIL, 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 CIBIL, Experian & CRIF High Mark Credit Score any time on the app. CIBIL, Experian & CRIF High Mark are among the 4 major Credit information companies in India.

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: 3 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 partner:
FDPL Finance 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: [email protected]
Address: 6th and 7th Floor, Incuspaze Qube, Qube Software Park Boganahalli Village, Varthur Hobli, Bengaluru, Karnataka 560103