Credit Score
Know your number before a lender does.
Your credit score is a number between 300 and 900 that sums up how you've handled credit. Lenders look at it to decide whether to lend to you and at what rate. Checking your own score never lowers it.
No impact
Checking your own score is a soft enquiry — it doesn't affect it.
See what matters
Payment history, credit use, age of accounts and recent enquiries.
Plan ahead
Know where you stand before you apply for a loan or card.
How it works
- 01
Share your details
Your PAN and date of birth identify your credit file.
- 02
We fetch your report
From a credit bureau, with your consent. Checking never lowers your score.
- 03
Understand it
We explain what's helping, what's hurting and what to do next.
Good to know
- 750 or above is generally considered good
- Paying on time is the biggest single factor
- Using less of your credit limit helps
What you'll need
- Your PAN
- Your date of birth
- The mobile number linked to your credit accounts
Questions people ask
Why do you need my PAN?
Credit bureaus identify your credit file by PAN. We use it only to fetch your score, with your consent.
I have no credit history. Will I have a score?
You may not yet. Using a credit card or small loan responsibly is how a score is built.